The next step is to find a lender you trust. If you have been doing business with a local bank, talk to them. If you can't think of anyone, call your local chamber of commerce to see who they might be able to reccomend or ask friends and family.
Once you get in touch with a good lender, they will either tell you how much you qualify for or what you need to do be ready to make that purchase.
After that, grab a Realtor, fill up the car with gas and go look at houses!
Good luck to you,
Unwavering Commitment to Service
You have 2 choices, start with an agent and get referred to a lender, or start with a lender and get referred to an agent. In either case, you are not obligated to use them long term, but these are the professionals you'll need to talk to in order to start the process. As you learn more and talk to multiple professionals, you will want to choose the ones you are most confident can best represent and advise you.
If you believe your credit is the biggest issue, I'd suggest you start with a lender (I do both for my clients, but most professionals don't). As a lender I would look at your financial situation, credit history and create a plan to either help you start shopping immediately or to improve your credit so you'll be able to buy soon.
You also need a Realtor to help find you a home and help you negotiate the terms of the purchase. The seller pays for the Realtor fees so you don't have to worry about that. All Realtors have access to all the homes that are listed and can show you any home in which you're interested. If you'd like, I can do that for you too.
Jennifer Henning, REALTOR
Keller Williams, NW, Yukon