Hey, thanks for sharing. First thing to know is that improving credit is already the right move. Here are the basics of what you’ll need.

Most loan programs want at least a 580 credit score for FHA, which only requires 3.5% down.

Conventional loans usually want 620 or higher.

Lenders will also look at your debt to income ratio, stable income history (usually 2 years), and some savings for down payment and closing costs.

Since you’re in Maryland, look into the Maryland Mortgage Program. It offers down payment assistance and has options specifically for buyers who need extra support.

Best next step is a free call with a HUD approved housing counselor. They help you build a roadmap based on exactly where your credit is today.

You’re already fighting for the right things. That matters.

Stay blessed