The first step is to speak with a lender like me to find out what options are available & what you qualify for.
For example: The home below is just outside the zip code you indicated but it is located in area that is eligible for the No Money Down USDA mortgage!
One of the best things about the USDA program is the monthly mortgage insurance is substantially cheaper than FHA or conventional options.
For example: On an FHA loan of $150,000, the MMI (monthly mortgage insurance) would add $108.41 to your monthly payment but on a USDA mortgage it would only add $44.19!
The other nice thing is USDA will actually allow you to roll in your closing costs as long as the appraised value supports it.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115