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I think it's a pretty safe assumption that your credit card utilization is greatly suppressing your scores. This will also affect your DTI. You should be able to qualify for a mortgage. The issue is the lower scores are going to affect your rates. Bringing down your CC debt first will help you all the way around.
What are the balances & limits on each of your credit cards?
@BrownSugah66 wrote:
Built and owned a house from 1995 - 2018. Divorced in 2011 but house was sold in 2018...Would I qualify as a first-time home-buyer?
Yes, you would be considered a first time homebuyer. Most define it as haven't owned a home in the past 3 years.
If your monthly credit card & installment payments total up to $4k/mo that is 45.7% of your monthly gross income of $8,750/mo. The maximum total DTI is 56.99% using FHA financing, leaving $986/mo remaining for what you could qualify for on a mortgage and that's not going to get you much in Texas. Your plan to pay down your credit cards & paying off your installment debts will be important in reaching your goal of qualifying for a mortgage.