-Employment history ( minimum 2 years at the same job)
-Capacity to repay your loan
-Debt to income ratio
-Capital (the amount of cash that you have for downpayment and closing cost)
Best of Luck,
Century 21 Tenace
(1) Work with a reputable lender to go over all your options. The lender will help you understand all your options, explain what type of loan will works best and provide you with a prequalification.
(2) Take the preapproval to a local Realtor who will then show you what is available in your price range in the various cities in which you may be interested in living.
Concord, Martinez, Pacheco or possibly Walnut Creek might work.
J. Rockcliff Realtors - Pleasant Hill
Provided you have good credit, you should have some good options in Concord, Walnut Creek, Pleasant Hill etc.
Bernard Gibbons, J. Rockcliff Realtors
DRE License # 01331583
Phone (925) 997-1585 - email@example.com
The guy I recommend is Brian Skaar with VanDyk Funding firstname.lastname@example.org or (866) 900-2342.
He has worked some incredible loans for me. He also offers a 5% down payment conventional loans. FHA will not fund on some condos and town homes.