Improving credit to buy home

I grew up in foster care as a child because I lost my family when I was young. I never had anyone to teach me the value of credit and money. I am rebuilding my credit to be a home owner at some point. My income is stretched because I rescue animals with disabilities and covid took my savings because animals needed things that owners could not provide when they lost their jobs. I owe $23,000 on my vehicle and can't refinance because I will lose my full 7 year warranty. My income will look better to bank if I don't have a car payment and will allow me to build my savings back up. I do random acts of kindness and will continue to but I would like one as well. Please help me go from nothing as a child to a future home owner. Thank you for your kindness. May God Bless you!