There are some great home buying opportunities in your area. Keep cleaning
up your credit and then start putting money back toward down payment and
closing costs. Hopefully, you will find a seller who can pay most of your closing
costs, but be pro-active about it yourself. Make sure there are no judgements
against you and if there are arrange to get them removed. Speak to the loan
officer at your local bank and ask his/her opinion as to what to do to raise your
score faster. You can do some research online to discover ways to do this.
Most banks right now want your credit score in the mid 600's.
Thanks for asking and have a wonderful Holiday Season,