Your first step would be to speak with a mortgage lender. Itâ€™s very important to know how much you are approved for and what your monthly payments will be in each price range â€“ make sure the payment quotes they give you include taxes and & insurance. Shop around and ask for good faith estimates to compare lending prices from company to company.
During your pre-approval process, go online and search through homes. Drive around different neighborhoods and areas that you could live in and get to know the traffic flow, crime rates, schools, etc. This will help narrow down your search before speaking with an agent who can help you even more and start showing you homes. Truliaâ€™s App is a great tool to use while driving through different areas. It will show on a map which homes are available for sale and the details of the home in the neighborhood, right there on your phone.
Most agents will ask for your preapproval letter, so itâ€™s a good idea to have one before contacting an agent to view homes. The agent will help you narrow down your search and negotiate to buy a home. There is much more to purchasing from this point, but I hope my answer will help you get started. Please contact me, Iâ€™d love to speak with you more and help you find the perfect home for you. (615) 499-3694.
Your lender can tell you what kinds of loans you qualify for; and if you can't qualify right now, then what you can do to improve your credit score, save for down payment, etc.
Knowing that, then you have a target to aim for in terms of property within your budget range.
If you don't have a lender, a realtor can provide names/contact numbers of lenders who can help you.
If you don't have a realtor, focus on the area(s) you like, and since you're on Trulia, look for agents serving the area, and whose blogs and answers to questions in your area show their level of knowledge and expertise.
But don't search for a property without knowing what you can afford. You may be setting yourself up for disappointment if you fall in love with a property but discover you can't afford it.
Bottom line: have a target, and then aim for it.
Your target: get preapproved, know what you can afford...and then start looking.