Hi, Yvonne. I live near you (Rice, MN) and can identify with your situation. If you want specific help I can introduce you to a loan broker that is very good. I have personally used her to get deals done.
She will tell you exactly what you can afford or need to do to afford something in the future.
If she gives you a price range you can currently afford, I'll take you out to find a home in that price range. Then you can decide whether or not to purchase.
We have all been in your shoes, so am happy to help.... more