Hi,
This is my view of the situation:

Since you are working with a limited down payment, your best option is an FHA loan.
The areas that you mentioned do have houses in your price range.
If the house needs a little bit of work you there are FHA loan programs that will allow you to borrow some money to fix as well.
Good luck in your search.

Sha Mill
With out a credit report and looking into your expenses, you would have
to sit down with a loan officer or bank. First of all you need to get a
Real Estate agent how will help you choose he/she to find a respectable bank.
If you have additional questions, please direct them
to me or need an agent feel free to call. My Direct # 347-813-1290.
Here is my website http://fajardodelacruz.realtors.officelive.com
or my e-mail delacruz.fajardo3@gmail.com
Hope to hear from you soon.

Why not visit any qualified loan officer for an accurate answer; find out what your budget can handle and take it from there. If you need recommendations as to who to use feel free to contact me.

Anna
917-576-5376
abrocco@laffey.com

Sha,

There are many factors that enter into getting qualified for a mortgage...steady employment, annual wages, and a down payment are very positive. One additional consideration your debt: credit cards, car loans, college loans, medical bills etc.

Our recommendation is to be in touch with several loan specialists to get pre-qualified for a loan. This will help you to establish the purchase price you can target for your home search.

Be sure to request a "Good Faith Estimate" from each agent. This is simply a written account of the programs and rates quoted to you by the representative.

Goos luck

Sha, if you wish to contact me off line, I will be happy to share the names and contact information of my favorite mortgage folks with you who can guide you through this process and will advise what you need to accomplish purchasing a home.

Contact me offline at Gail@GailGladstone.com or 631-425-6150