Hello, I just saw your question so I guess I am late to the party but I wanted to jump in anyway.. I am not sure I totally understand your question but something that jumped out at me was "no money saved".. I would say your next step would be to save as much money as you can since you have a steady income.
If you have no money saved, you won't be in the best negotiating situation when it comes to putting an offer in on a home if you get approved. You would have to ask for seller assist and that puts you behind the 8 ball so-to-speak. When you put an offer in on a home you want to be as strong as you can be and be in the best position to negotiate hard (well your buyer representative). I would say that you should first find yourself a RealtorÂ® or licensed sales person (there is a difference) who you feel that you will mesh well with and then build a relationship with this person. Schedule an appointment and put a plan together with your new representative.
I do this with my clients. By the time you have money saved, you will be in a great position to get your dream home and won't need to ask for any assist from the seller.
I'd be happy to go over this with you more if you would like and help you put a plan together. Feel free to email me at firstname.lastname@example.org or call me direct at 215.669.0589.
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