I will start by saying that I am not going to air my dirty laundry in this thread, I have made poor finacial desicions and I'll leave it at that.
What I would like to do is get pointed in the right direction towards home ownership. I got in over my head 10 years ago when I bought my first home, so it was sold shortly after and I barely broke even. Being older and more experienced my wife and I have improved our money management, without any unsecured debt at all. So whats the best way of getting into the market, should I talk to realtors who are experienced and can help me get started, should I talk to lenders? If so who's experienced helping idiots like me with a crappy credit history?
My lease is up around April and will be moving somewhere, hopefully a house, if not somewhere else. The place I've been at for the last 8 years is really going to shit and we need to move on.
Thoughts and ideas welcome, fuck the trolling.