I agree that you are not ready to buy a house. There has already been a lot of good advice posted so I wont repeat it again.
Once you are ready (paid down some debt, car paid off), try looking into a government loan:
ww.hud.gov
I recently got an FHA loan and I do know they do not take into consideration your credit score. This loan worked best for me because it had low interest and it qualified me for assistance with paying the closing costs. I didnt pay anything for closing costs.
I have been waiting to buy a house for a couple years now but wanted to be in the right spot financially first. I waited till my car was paid off and my credit cards were also paid off. My only debt when buying my home was my student loans. It felt so good to start off my life in my new home with no debt. I am on the payment plan to pay off my house in 15 years (by making 2 extra payments a year) instead of 30. If you wait till you are ready, it will feel so much better when you do finally carry your wife over the threshold into your new home
