The first thing to do is a find a mortgage person that will work wth the Realtor, that you'd like to represent you (there is no cost for a Realtor to represent you). I'd be glad to work for you and have my mortgage person pre-qualify you and tell you about all the programs for which you qualify.
Just give me a call at 800-399-5834
Kem Bailey Smith
Keller Williams Main Line Realty
I would suggest you find a Realtor that will help you with your journey to home ownership. This is a lot to explain and it would be better to talk in person.