Buying a home is a process that involves learning about what is important to you, what you like, don't like and what you must have. This self-reflection is then compared against what a lender is willing to do for you. Choosing the right lender is important and we recommend one based on your credit profile, location where you want to purchase, amount of down payment you have saved. Trulia "I have bad credit and no savings. Can I get a home or am I stuck renting?" reviews some of the things you need to do to get a loan: http://goo.gl/XHzTF Once you know what you like and what your mortgage banker tells you that they can do for you, the excitement of choosing the right neighborhood and home begins. There is a Trulia Blog about choosing neighborhoods in the link below. If you have a full time agent with a Masters degree in Planning with Finance and over two decades of experience, working for you, you will likely do better in negotiations. I'd be pleased to provide that service. ... if you appreciate this answer, please give it a "thumbs up", or if this was the most helpful answer, please say thanks with a "best answer" click .
Just checking in to see how your search is going. I noticed several out of state agents answered your questions and wanted to make sure I am available to guide you thru the process.