<prompt> Human: PLEASE reserve your judgments; NOT what I need right now. Im a combat veteran, a descent man. Ive been married for 4 years to a woman who, in many ways, saved my life. Ive been sober for 1 year and found out yesterday that Im gonna be a daddy! Problem is: I have poor credit and little in savings. The thought of buying a house has been all I can think of for the past 24 hours that and the fact that Im gonna have the best family ever!. What tools are available to me, as a veteran, in order to help me buy a house? Sounds cliche, but Im not looking for a hand out, just a step up. Jesus Ive been so freaking selfish regarding my finances. I hope its not too late for someone like me to own a home! Any advice would be appreciated! Edit: I make 48kyr. I have a 18k in an ESOP Employee Stock Ownership Program account that Ill get in May of this year. And I have a couple of credit card accounts. I also have about 2500 left to pay on my car note.  <response>: You dont need a house just because youre having a kid. If youre not in the right financial situation to buy a house, buying a house will potentially be detrimental to your kids future. 