You're best bet is to speak to a mortgage rep. They will have to run your credit, take a look at your financial picture, then advise you on the best direction to take in order to buy a home. Long Branch may have some interesting programs, such as live where you work or other community based programs that could make a home purchase extremely affordable. Please let me know if you need a name of any local reps to help you. If you need someone that is bi-lingual and understands the marketplace, please let me know. Best of Luck to you.
1500 Allaire Ave., Ste 103
Ocean, NJ 07712