When you speak to your lender, they will look at your past bank statements, pay stubs, taxes and debt to income ratio. This will help better define what you are qualified for and also your personal "comfort level" with a monthly payment.
Once you get approved (and you can do this NOW even though you are planning on buying in a year or two), then the shopping begins! Of course you would need to get a new approval when you are actually ready to buy.
I will help you search for a great home that fits your needs!
I would recommend that you begin to save money. Next, work with an agent to give you information about the city and areas that may interest you. He or she can send you listings to give you an idea of what homes are going for in the area(s) that interest you most.
If you'd like, I can assist you. Since the seller pays for my services, there is no cost to you for my assistance.
Meanwhile, let me know if you have any questions or concerns.
Syan Real Estate
Call/Text: (505) 730-8181
505 977 3474
Your real estate expert.