I would suggest that you talk to a lender or two and see whether you can get approved for a loan or perhaps need to build your credit. Let me know if you want me refer you to lenders that I usually work with.
Seniors Real Estate Specialist
Certified Home Stager
United Real Estate Dallas
Obviously I'm sure that you've likely found "your" home by now but wanted to post for any others seeking this information. Interview several agents; find one you like and am comfortable with as the next few months of your home search will be a journey. Also very important--find someone who is very familiar with the AREA and can assist you on the atmosphere, schools, neighborhood conveniences, etc, etc.
I grew up in this area and would love to represent anyone thinking of building, buying, or selling a home in Farmersville.
-Amy S Arey, Realtor
Halo Group Realty, LLC
Yes, we just listed a 61 acre tract on FM 2194 NE of Farmersville which the owner will finance and divide into smaller tracts of 10+ acres. I will be happy to answer any questions concerning this property.