<prompt> Human: Been following rpersonalfinance for a few years now but finally in a situation where I feel like I need to ask for advice.The wife and I are in our midlate 30s, rent, have a kid and baby, and are finally at the point where were outgrowing this renting thing and are ready mentally but not particularly financially to start this process to get our own house. Debts:5k in Credit Card debt, 25k in student loans, and about 15k left on car loan. On track to be out of CC debt by Spring.Downpayment:Can maybe muster 10k for a down payment in the next year and no rich uncles or family members that we are comfortable leaning on. Not much in savings been putting everything towards paying down debt.Income:one income source me pays around 90k a year before taxesMarket:We live near a major US city so prices are not awesome. A 300k home will buy you MAYBE 2-3 bedrooms 1.5 bath with some work that needs to be done. Were looking in the 250k range and hoping to get lucky. Ideal home would be 3 bed 2 bath but could settle for 2 bed 2 bath.Credit:My credit has improved drastically over the past 5 years were Im now in the lower 700s so Im feeling like Im in a good place.XP:I have never owned a home before, my wife has many years ago and has some experience, but I know NOTHING about the process other than what Ive been looking through online, which doesnt give me much confidence.The problems 1. Cant afford much of a downpayment, but that may be balanced out by First Time Homeowners loan is we go that route can I do that if my wife has owned before?2. Still have debt, which is a goal to get rid of, but now less of a goal than owning a home.3. Live in an area where houses go quick, so not feeling confident with my minimal down payment Ill be able to compete with these affluent types that can swoop in and pick up a house no problem.4. We have no family that can help us out or that we trust enough to offer advice so Im turning to total strangers on Reddit. Dont trust financial advisors since they are out to make money on you.Whats the strategy here? Any advice would be appreciated!EDIT - Hey, thanks to all of you for taking the time to respond. I truly appreciate it. Were going to buckle down, knock of the rest of the debt and start saving saving saving. Well get there, Im sure of it, and appreciate all of your honest advice.  <response>: Without a savings, not sure its a good time to be buying a house. 