It might also depend on how long you have been working. My advice would be to talk to a good lender try Alan Kessler at the Mortgage Pro's in Framingham, he's excellent (508) 370-0111 ext 2. If your not able to buy right now he can tell you what to do to be ready asap.
I'm a local agent and have sold real estate here in the metro-west area for 20 years. Visit my web site at www.realestateinmetrowest.com or call me at 508-932-9179 to start looking at homes!... more