That what this question reminds me of.
Lots of unintended stuff getting connected.
Welcome to Zulia, the land of potential magic.
Someone please contribute a toaster and kitchen sink to make this image complete.
You need to figure out what you qualify for and how much you want to budget for your mortgage payment. Also you need to make sure that your credit score is not being dragged for items that can be easily corrected. The higher the credit score the more mortgage programs you may be eligible for and the cheaper the cost of the mortgage.
Drop me a line and I will be happy to go over this with you
Cornerstone Lending Inc
Southampton Pa 18966]
There are a number of ways a new buyer can begin the home buying process, the most important of which is simple getting started some where. Even if it's only by going to a few open houses!
Our advice to people in your situation is the following:
1. Evaluate your own personal financial situation accounting for all income and expenditures. This is an important and simple step that is quite often overlooked.
2. Meet with a lender(s) to determine potential programs and rates that might suit your personal needs. This should also assist you in determining your price point as well as possible locations.
3. Find an agent that is a "full time" and knowledgeable individual that is familiar with your target market. I personally like going to "open houses" not for the purpose of identifying a house to buy but meeting agents "in the trenches," seeing how they interact with people and how knowledgeable they are. The right individual will be able to team up with you and work side-by-side, guiding you through a seamless and easy buying process.
Hope this is helpful.