i had about $ 18,000 debt, and by listening to my brother i went in to debt consolidation. didnt know that it can really mess up my credit score. before i went in to credit counseling my score was 700+, but dont know how much it is now. anywayz i was in credit counseling for about 1 year, and then finally paid off the full debt with in 1 year, rather than staying in the program for 3 years. now i want to buy a house. i took my account out of credit counseling/debt consolidation about 4 months ago. i know want to buy a house. would i qualify for a home loan? where can i go to get my credit score? what kind of downpayment should i be expecting and what would be my interest rate?? any help in this matter will be greatly appreciated! thanks!