I would like to set you up with a top Broker in the Clinton area who specializes in working with first time buyers. Email me at firstname.lastname@example.org and Ill see what I can do.
You should avoid purchasing a home without a Real Estate agent representing your interests.
Your agent will advise you from showing the home all the way to the closing.....you will be in very safe hands in this special moment of your life.
Some properties are available for FHA financing and some aren't - you should know why. Your realtor can explain.
Are you going to ask for some Seller paid closing costs? Do you need Seller paid closing costs? Discuss with both your Realtor & Lender.
Will you be buying into a Common Interest Community? How will that affect you payments? Are their dues? How does that fluctuate your payments?
What is a Short Sale? Do you want to wait on a Short Sale? Your agent should explain.
Are you prepared to take a property that is Bank owned or a Short Sale in "As Is" condition. Your agent should explain.
Hope this gives you a start.