Look for a First Time Home buyer Class from a Non Profit organization.

Then, set all the paperwork toghether, such as Tax Returns 2207 and 2008. Last 3 bank statements ( I know, I know, last 2, but it is better to have more than have less). Last 4 paystubs from you and your husband. If you have credit then contact a Home Mortgage consultant to pull credit report (noone without a credit credit can give you an ccurate pre approval, you could get a pre quilification but pre approval is what the market wants with you offer).
A Home Mortgage consultant will review your income and your debt and determine the maximun mortgage amount as well as sales price base on set numbers, such as Mortgage Insurance ( MIP or PMI) . Also, will find wich mortgage program fits your profile (FHA, 203k FHA , Conventional, ).

1st step in order purchase anything qualified for loan, involves contacting a mortgage broker who will require you submit 2 years employment, credit scores 620 or more, 3.5% down payment. Broker will determine how much you qualify for issue a letter of statement you provide a real estate agent.

National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
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Lynn911

http://www.lynn911.com

Glitter,

1. review your personal budget

2. visit several lenders and learn about programs that would best meet your needs and find out what you can afford. Always request a "good faith estimate" which is a written account of programs and rates the agent quotes you.

3. once you have an understanding of what your budget is you are ready to select an agent to work with you and support your interests. Many buyers find their real estate professionals while attending open houses. Your agent will be able to guide you through the buying process.

Best wishes,
The Eckler Team

Check with a lender to see if you qualify for a loan. Credit scores, job length history, income and amount of debt will all factor in. Then if you qualify find a realtor to help you purchase the home. If you are a first time home buyer, you may be able to qualify for the $8000 first time home buyer credit, but time is running out. You only have until the end of November to close. Good Luck

First thing would be a pre approval from a mortgage lender, have you done that? Age has nothing to do with it, you just enough income and job history to qualify along with good credit.

If you want to apply and get a free pre approval you can go to http://www.novahomeloans.com/kyle.hufford

And I can have this done for you in about an hour.