I need a candor answer to this question:

I am in the process of buying a house.  I am not entirely sure whether
it is the time to buy now or not.  Very rarely do you loose buying a
house.  Here is my situation and question:

I have $19,500.00 car debt (620 dollar per month bill), a 1000 dollar
credit card debt, and 9500 (200 dollars per month bill) dollar Student
Loan debt.  I have about $10,000 in 3 different 401k’s.  The credit
card can easily be paid in less than a month.  My income is roughly
62,000 per year. I have perfect credit (with one inquiry which will
disappear in October).  I have been at my job for 9 months now (I have
two jobs, the other one is part time but I have been there for 2.5
years).  I feel very stable, and know I can get a job if I loose any
of my current jobs with ease.  I cannot afford a 20% down payment, I
have been looking at 100% financing and I am looking for a house in
the 215,000 dollar range.  My question is:

Should I buy now?  
If not, how much time should I wait?  And if I do wait, should I save
for a down payment or concentrate on paying off my debt.
If I should buy now which lender would get me the best deal (This is
the most important part of the answer.  Please no bias
advertisements).. and what do they mean by points or buying points?

I am looking for a 30 year, 100% financing.  What rate do I expect to
get?

Thank you all for your time.