Congrats on your decision to buy a home.
Your best bet would be to contact your current bank (or a referred bank) about getting pre-qualified for a mortgage. The bank will take a verbal application, check your credit, and run it through their automated underwriting system.
This allows you to see what you do and do not qualify for when looking to buy a home. One step further would be to get pre-approved for a mortgage. This is where the bank does everything I previously mentioned, but they also check your actual sources (e.g. recent pay stubs, W-2s, asset statements, etc.).
If you need help, please let me know.
Timothy M. Garrity | REALTORÂ®
U S Spaces, Inc. | #RS314897
267-879-2716 - Call & Text