<prompt> Human: My wife cant work. Both my kids have medical needs. She has to take them to different medical appointments throughout the week. Im the only one working. Im a driver for a dry cleaning company and help out in production when I can. I currently make a 14 an hour. I do get a bonus but sometimes its a small bonus or a big bonus. Im working on our credit right now. I learned how to do it myself and Im sending out letters to all the credit bureaus. I have a few credit expert friends that are helping me out. They have improved their credit as well. Right now both our credit scores are at in the mid 500s. Right now we live in with my wifes grandma in her basement and has plenty of room for us. Were living here because to save up money for a potential house.Heres a breakdown of our expenses: Rent: 310 a monthHealth insurance marketplace: 54 a monthCar insurance for both cars both paid off: 95 a monthMoney we put away for savings: 200 a month. Just starting to do this.Gasoline for both cars: 100 a month I think.We do get food stamps which helps. Its 150 a month on the 15th of every month. We would have had more money saved if it wasnt for our cars. My Ford Taurus needed 1,600 worth of repairs and other car a Mazda Tribute needed about 600 dollars worth. I just wanted to point out our expenses for everyone here to understand our situation. My wife and I have talked about Habitat for Humanity. I have called Habitat for Humanity. They already picked their families for this year. We will have to wait until next year and theres no guarantee we will be picked. My wife and I are wondering about rent to own houses, foreclosure homes, renting a home, townhomes and duplexes. Once our credit gets a lot better than we will pay more attention to getting a house. We are tired of living in an apartment. Were not sure on what to do at this point. We just dont want to get scammed. I am kind of leery with a rent to own own program. Are there any programs out there either from the government or from a private company to help people like us get into a home? Thanks for reading.  <response>: I understand that you want your own space especially with 2 kids, but right now your rent is super cheap, you dont have to worry about unexpected repairs, and honestly your credit scores wouldnt qualify you for very good rates anyway.Take a few more years, get those credit scores into the 700s, try to bump up your income as much as possible, and save up some money. Youll want to have several thousand dollars saved away before you look at even the cheapest of houses, for down payment, closing costs, repairs, move-in costs etc. 