If you have thought of buying a home now is probably a good time to get serious. Rents continue to rise and  quality rental inventory is low. Mortgage rates are still at historical lows. But they most likely will not stay in this range in the long term. Down payment requirements have been lowered and for some there is down payment assistance. There are legitimate and low cost ways to improve your credit  (Please do be careful there are a lot of illegitimate credit repair scams). Prices appear over the long term to continue to rise.

So the question is why wait?  Why not start the process and explore your possibilities?

I would be pleased to try to help you.