San Jose First Time Home Buyer Government Loans For A First Time Home Buyer?

Government loans for a first time home buyer? - san jose first time home buyer

My husband and I are trying to buy a house. Our year is 42,000. We live in San Jose, CA, I looked at the FHA program, and I heard that our credit rating is not important, but what happens when like 10 days too late on some payments to spoil our chances and we are approximately 10,000 . How does the debt that my husband and I fear that it might not come for the program in question. Please assist