you have other factors to worry about. since you have not been at your present job for very long they will view that as unstable. also the market is more of a buyers market now but the lenders are scrutinizing loan applications alot more. the good news is that you may qualify for first time home buyers assistance programs and can get some really good assistance. try contacting your counties housing authorities they should be able to help. in the meantime clean up your credit by paying off any deliquent accounts in collections, pay off any credit card debt (this willl give you more buying power) DO NOT close any accounts which you have a long history of being in good standing with. good luck