Hi, I would suggest talking with a lender first so you can see how your credit really looks. Call your bank or credit union first because you already have a business relationship with them. Many times you can do a little credit repair and be ready to buy within 6-12 months. The longer you can wait the more money you can save to put down as a down payment or help with closing costs. Good Luck!
Depending on your credit score if it is 580 and above and if you can put 10% down- possible you can buy a house.
There are lenders who can do loans with 580 credit scores but they need more down payment.