This is where I hope to be someday. I just wanted to see if my goal is realistic. Would I be able to buy a home with the following criteria?

Credit. Mid score 650.

         4/12- Student loan 180+ late (x8 separate loans) paid on time since

Income:

         50K

Source of income. Where is the income coming from

         Employment

Monthly debt payments.

        Student loans-$136

        Car-$570 (could refinance and get a better rate and the payment down)

Employment

        This could be tricky. I have been at my current position for 2 months( but don't plan on buying for AT LEAST a year). Before this I took 3 years off to stay at home with my kids. I am in the same industry I’ve been in for 10 years.

Assets/Reserves.

         20K down. 15K in reserves

Location.

         Colorado-North of Denver

Property.

         Single Family, no more than 10 years old

Value.

          Looking in the 180k-200k range

Occupancy.

          Primary

Transaction Type.

          Purchase