Most Realtors out there will tell you to go get qualified as the first step to buying a home.
The primary reason for this is that they do not want to waste there time with someone who is not qualified or find you a home, that you must have, but is beyond the price range you qualify for.
Buyers often rush out to the first mortgage broker and find out that they do not qualify for reasons such as their scores are low or they are driving around their house payment. There are almost no loan officers out there that will help you correct your credit score. The higher your credit score the less out of pocket expenses, closing points, and other fees you will have to pay. There is no benefit for them.
So what should you do first?
Pull your own credit score. Most states require the three credit reporting agencies (Equifax, Trans Union, and Experian) to give you a credit report once a year. If not it usually is less than 10 dollars to pull each report. The websites and the reports themselves should have detailed instructions on how to dispute items. Sometimes you can call in the dispute, other times you must dispute it online. You will be surprised on how quickly you can accomplish this, sometimes in one evening.
Dispute all bad information on your credit report even if it is legitimate. If you want to justify it to yourself think about it this way these three organizations will let any lowlife screw up your credit so why would you be fair to them if they will not be fair to you .. If the company does not respond within 30 days, many do not, it is permanently removed from your credit report and can not be put back on it. Do this, even if you do not think you will qualify afterwards, for with a little work and payoff you will qualify reliably soon.
Go to my website for more information and resources so that you can realize the dream of home ownership.