30 years old trying to fix bad credit and want to buy a home, yet have no idea where to start. I NEED ADVICE!

I have a full time job with the same company going on 10 years but just have no direction with where to start.30 years old trying to fix bad credit and want to buy a home, yet have no idea where to start. I NEED ADVICE!
First thing you need to do is to get out of debt. Pay off all your loans and credit cards. Save money in an emergency fund so you will not tap the credit cards or your down payment account. May be $1,000. Then save for your down payment. 10% is good 20% is better. In almost all cities local schools or realitors have classes for the first time home buyer--take one or read books on home buying. The better you educate yourself about the process the better decisions you will make. To make saving for a down payment easier. Open up a seperate account and name it DOWN PAYMENT. Have an automatic deposit every month from your regular checking account placed there. Do not use it for anything else you might be tempted to -NOT A CAR, Not a vacation. This is the beginning of your life of self-disipline to be a good home owner. This is more fun than it sounds here. It is good to be in control of your life. Good luck. Done right a house is a blessing, done wrong it is a curse30 years old trying to fix bad credit and want to buy a home, yet have no idea where to start. I NEED ADVICE!
first obtain a credit report and find out why your credit score is low. you need to know why your credit score is low for instance is it because of a bankruptcy or a high debt to income ratio or failure to make timely payments.





whatever it is rectify that situation





next make sure that you make timely payments on all debt.


a credit score takes time to repair, but just make sure that you keep an eye on your credit report.
start with the smallest balance and get it paid off then take the next one and add what you paid on the first bill and get it paid off quicker then the third you take and add the 1st and 2nd monthly together and what you pay on the 3rd and so on and so on. It is called a debt snowball
My husband is a realtor and i am a mtg consultant... right now is a buyers market... lots and lots of homes for sale... were are you located? mtg companies are getting tough... why dont you consider doinga landcontract and in the meantime work on t your credit?? e-mail me crazyforpink_3@yahoo.com i can prob. give you some advice as to were to start
Contact a realtor that specializes in first-time home buyers. They will be able to put you in contact with lenders and advisors regarding your credit, price range, etc.
smartcreditrepair.info I am a mortgage broker and use these guys exclusively. They are cheap and show results.