Read through the Hud homebuying site.....http://www.hud.gov/buying/index.cfm#afford...lots of good information..
Check out Gov. approved homebuying courses in your area. http://www.hud.gov/buying/localbuying.cfm
Some programs require you to attend them, you can make contacts, learn about programs and get credit repair advice if you need it.
Make use of the Free Gov. housing counseling to get info and assistance....http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
Take a look at the current Gov. housing loan programs and determine if you might be eligible on the Federal Gov loan site......http://www.govloans.gov/govloans_en.portal?_nfpb=true&_p
When you talk to a local approved homebuying course they should provide you with any local program info.
I hope this might help you get started, Dunes
I am a mortgage broker. If I can be of service, please let me know!
877-238-6324 Ext 704