The first thing you should do is speak to a lender to get pre-approved and see what you qualify for. Start with your local bank or the bank that you bank with. I would speak to at least 3 lenders to compare interest rates, APR, and closing costs. Each lender is different and charges different lender fees.
Once your pre-approved, I would also speak to a few Real Estate Agents. See which one is going to represent you & your best interests when purchasing a new home.
I hope this helps and I wish you the best of luck!
Tamika Turner Goree
Keller Williams Realty
Cell: (972) 697-1178
Fax: (682) 222-1049