I would first speak with a lender and let them see what your credit looks like. It may not be as bad as you think. I would be more than happy to take a look at your credit for you and see exactly where you are. My name is Conan Watters and my office number is 501-225-5626.

When buying your first home it is important to understand the mortgage process. The lender is going to look at your monthly income, monthly debt obligations, reserve accounts (liquid accounts like your bank accounts and retirement accounts), and credit report/scores. There are loans that can help people with lower credit scores, but you definately want to talk to a mortgage professional before paying any debts off as this could hurt your reserve requirements which would affect you in getting approved for a loan. I am located in Omaha and have over 11 years of experience in this field. If you would like to contact me, you can reach me at 402-505-6800 or my email address is deanmcdmortgage@yahoo.com. Thanks,Dean

It would be good to for us to run the credit see what the income is to help you get a broad understand and time frame of when this all should happen. PLease call me directly at 949-200-5820Nicholas Mosswww.DirectYourOwnLoan.com877-677-5535 ext 220

Right now, the most important thing is to know what your credit score is and then determine what, if anything, needs to be paid in order to qualify for the loan. For example, if the past due accounts are medical it may not be something you need to pay off in order to qualify. I would be happy to run a credit report for you and then we can discuss what options best fit your needs. My name is Debbi Lachowsky and I'm a loan officer with National Bank of Arkansas in Little Rock, AR. Please feel free to give me a call at my office (501) 280-3487 or you can reach me anytime on my cell (501) 514-2686, including the evenings and weekends should those times be more convenient for you. I appreciate your business and the opportunity to be of service to you.