If you're renting an apartment, it's hard to think that you wouldn't be better off owning a home. If your credit is good, it makes sense. With the rates where they are and the price of houses still lower than they were 3 or 4 years ago, it will probably cost you less to own than to rent. There is still a great tax advantage to owning since you get to claim interest paid and real estate taxes.
If your credit is not great, there are several things that you can do to remedy the problem. If you contact me, I would be glad to put you in touch with someone who can help you repair your credit and be on your way to home ownership. It's not an overnight solution but with time and perseverance, it can be done. You definitely want to work with someone who is reputable like a mortgage specialist.