With horrible credit and debt, no money for the down payment and closing cost of a mortgage loan, you would not be approved for a mortgage loan.
You would need to make changes in your life financially in order for you to accomplish your plans of ever purchasing a house. Without these financial changes, it is doubtful you would ever be in a position to purchase a house.
You need to stop making excuses as to the reason you are unable to move. I am fixing my credit shortly, is an excuse.
You need to take immediate action to solve this problem.
#1. Credit report
You need to obtain a copy of your credit score. You are able to obtain a copy of your credit report from each major credit bureau on line. Cos to you zero.
#2. Saving account
You need to immediately open a saving account at a local financial institution ( a credit union is the best in my opinion) you have many options if you open an account at a local savings union
A. You are able to obtain a debit card
B. You are able to apply for and be issued a credit card. ( your financial limit would be based on your credit score and monthly income. Interest rate for using the credit union issued credit card is around 9% not 25% as with your national credit card.
C. If you own a car, you are able to obtain a car loan to pay off your existing car loan. Your interest rate would drop significantly, thus your monthly payment would be lower.
You might also contact a local mortgage lender to see how you currently stack up in your desire to purchase a house. If you are unable to purchase a house at this time, you would be informed what steps you would need to take in order for you to purchase a house.
You would now know what you would be required to do and the down payment of certain mortgage loan programs you could be approved for.
Without this information, you would be walking around in a forest of trees with no knowledge of how to get out.You would have no map of how to get where you want to go. You are walking around blind.
All the hope wishing and I wanna would not be of assistance to you. You have to take immediate action and not be deterred
I hope this has been of some benefit to you, good luck.