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[Nebraska] First time homebuyers in need of advice

My fiance and I are/will be in the market for our first house. As of now we rent a house for $1475 a month. Listed below are questions/concerns that we have.

Concern 1: I have bad credit (630) from a bad divorce 4 years ago. Mostly late payments but my payments have been 100% on time for the last 2 years. And one credit card with a high balance. She has good credit in the mid 700s.

Concern 2: She is a bartender and most of her income is from tips. She makes 11.50 and hour and does receive paychecks every other week. With tips being in cash that's where most of our savings are. I think savings need to be in a bank if you want to use it on a down payment, we're working on that... I make 55k a year and have a freelance job on the side that I make around 10k a year.

Question 1: what would be the best way to go about getting financing? She has the good credit and I have the money available for a loan. I haven't found any good advice online on this situation.

Question 2: has anyone had any luck asking credit card companies to erase missed payments? Mine are on auto pay now and have been on time for 2 years and counting. It's a long shot but I figured I could ask?

Question 3: how do state funded programs work? NIFA is in Nebraska but I cant get much info on it outside of their website. Related to this question: what about FHA or HUD programs?

Our lease is up in May and we dont want to sign another 2 year lease plus rent would go up to $1600 per month. Were looking into a 100-160k loan which would be significantly lower than what we pay in rent. Any advice helps and thanks in advance.

submitted by /u/StupidBeardedGiraffe
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source https://www.reddit.com/r/RealEstate/comments/fa72cr/nebraska_first_time_homebuyers_in_need_of_advice/
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