Talk to a local banker first to get pre-approved first. And if that bank can't help you, ask them to refer one that could. There are a couple of options that might work for you. You might qualify for a government guaranteed loan through Lincoln Savings Bank, Great Western Bank, or Community 1st Credit Union here in Grinnell. University Of Iowa Credit Union in Grinnell might be able to an in house loan. Give them a shot. Once you've well informed about your buying potential, you will be able to make that next step to support your buying a home. Give me a call if you like 641-260-0672106. I'm happy to provide any guidance as get ready to purchase.