We have decided to buy, aiming for this time next year or sooner perhaps.Wife and I have decided to purchase a home. Our joint gross monthly incomes are approx $7K total auto loans per month is 970 per month. Currently renting, she has been renting over 10 years always making rent payments on time and bills on time. Problem is our credit score, I just ran a FICO on myself and it was only 624. This is mainly due to me being a lawful permanent resident and only having around 2 years or less worth of credit history in the USA, and also my credit balances are on or about 80%. The credit lines are very small so I plan on taking care of these ASAP since they appear to be impacting my score. I believe my wifes score is about the same also, due to past medical expenses impacting her figures, she always settles credit balances monthly and pays her bills on time though.I just wanted to know if I am doing the correct thing, in the sense of saving monies for the downpayment and closing costs. Paying off credit cards with a view to improve score, save monies then once ready get a pre-approval then go view potential homes? We are thinking about a home in the 220-240K range in Pinellas County, FL with an FHA type mortgage. Hypothetical question, would they loan us that much? Thanks for your help and feed back,.September 13 2010 - Largo00YesReport 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.