Help First Time Home Buyer.Help pls... I reviewed my credit from myfico.com and I had 647 points. I knew I had some late payments on my reports which I needs to work on with my creditor and payoff some accounts down, also have student loan am dealing with. With all that, would I be able to get or qualify or get a good deal on home loan? Or should I wait another year just to get some accounts paid down and work with some of my creditors on the late payment on my reports? also I would pay off my car note by next year. Pls. I need your advice. Also I wanted to take this opportunity to thank all those that responded to my first posting. Thank you all.December 06 2010 - Burtonsville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.