Hi Chester, I would talk to a mortgage person. I can give you a couple really good recommendations. There are some really good first time home buyer loans that help with the down payment so you donâ€™t have to come up with a lot on your own. Email me if you want more info on this. As far as watching property I can set you up on my home finder program. Tell me what youâ€™re looking for as well as your email address and you will get automatic emails as listings come on the market. It's a good way to watch the market and see what's out there. You can go to my site also to search available properties.