It's never too late to start programming. To get a job though you need to show you can get things done. Even if you're going for junior roles, you'll benefit from being able to include links to some finished projects on your CV. For most basic entry level it is far far far better to have something that was finished, and works, but isn't perfect rather than nothing at all.

Don't put too much trust in so called "certificates" from these schools. A company will, again, be more interested to see what you can do than what pieces of paper you've earned. Having said that some courses are good (some are not). Only sink money into it if you have scrutinised the reviews and seen good words about them on here or Reddit or other popular program discussion places. Don't go off their own testimonials.

If you were willing to be relaxed on salary (if the alternative is indeed homelessness) then you ought to be able to get your toe in the door somewhere. After that don't feel too loyal, do what you need to, but study and build study and build in your own time and keep yourself out there open to job #2.