Congrats on deciding to buy a home of your own!
With the credit and income you have listed, you will be able to buy a home. Providing you do not have excessive debt you will be able to get the best prevailing rate and terms.
The first step is to get pre approved for a mortgage loan. I suggest you use a direct lender. Before you apply for a loan, get a FREE copy of your credit report. Review it to make sure there are no errors.
Second step, get yourself a TRUE buyer's agent. You will need an agent who is willing to take the time to provide you the level of service a first time buyer requires.
Third, BE PATIENT! We are currently in a seller's market. Inventory is low, so it may take more than one attempt to get an offer accepted.
I wish you the very best in your home purchasing quest.
Kawain Payne, Realtor
Prudential California Realty