I am glad your spouse has gotten a good paying job. It's a tough job market right now. The first thing you have to do to realize your dream of home ownership is to talk to a bank or mortgage lender. Lenders will want to look at recent pay stubs, tax returns and credit scores. This helps them determine your debt to income ratio. In other words how much of your income is left over monthly after your debts are paid. Will you comfortably be able to assume the additional financial responsibility of carrying a monthly mortgage payment?
If they are satisfied with the ratio of debt to income they will tell you what they feel comfortable lending you.( a prequalification or preapproval status.) From there your ready to find a Realtor to help you in your search for that three bedroom dream home.
I want to congratulate you on the job as well. I have a great list of lenders that I have worked with in the past that I would love to pass your way should you need it. Just let me know if you want me to send you my list of lenders.
If you need the name of a good lender, feel free to e-mail me at email@example.com .