typically, lenders don't like to see any recent lates. I would wait at least a year of no lates and pay off as much debt as possible. Ask lenders to remove baddies..

lenders like to see how much money you have saved up on o recent overdrafts on persnal bank accounts.

you need to share with us more information..

-income

-fico score

- what type of mortgage loan ..is it VA, FHA, conventional

-how much you are willing to put down as a dawn payment etc..

-other showshow