Need help on how to proceed in my situation

I have no idea what type of loan I need. I have been renting to own with a contract to get my own mortgage this year for the remainder of what’s owed. The home is in my name and I pay the taxes. I have paid the owner $21k yearly plus monthly payments. My credit score is in the 500s with a few credit card debts. How do I proceed? by ramollin617 from Aliso Viejo, California. May 24th 2022 Reply