If you would like me to assist you and guide you and your husband through the home buying process from start to finish please give me a call @443-417-6493. I have lenders that can also advise you with a simple phone call.
Improving your credit is a good place to start. Also, contacting a lender early on will give you a better idea of what you can get approved for or what you need to do to qualify for a loan. FHA loans are the best type for first time homebuyers and require 3.5% downpayment. You will also need money for inspections, closing costs, etc. I work with first time homebuyers and can guide you smoothly through the entire process. You can contact me at firstname.lastname@example.org 443-472-5345. Pam Brown
After that comes step #2, find a Realtor you want to work with and start looking for what is available in you area to go see. 3 months or less should be about right if you are planning to move in 6 months. Good luck