my husband has a decent job with decent pay and we would like to buy our first home. the thing is, he had bad credit - paid it all, now he has no credit. i have bad credit, still a bit of unpaid debt which i got before we were married. now, how does this work? i see people w/ worse credit getting homes but i feel like the door is shut. we live in texas. what kind of programs should we look for? can someone explain FHA for me? what would a loan officer or whatever they're called do for us? we agreed that it won't matter if we pay more in the end, as long as we finally get our own home but we are both very young and have no clue where to start. i feel like we'll be laughed at because we'd have little to no money down, we could pull our 401ks but that's only if it's absolutely necessary to get into a house. we've rented apts for 5 yrs and have never missed a rentpayment. can someone here take the time and explain a couple of the first steps we would need to take? i'd really appreciate it!
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