Thanks for all of your information.
My advice is to read the answers that you will receive here on Trulia and see which 3 answers you feel best answers your question and of those 3 answers, contact those 3 agents to discuss further what your goals are. Whichever of the 3 suits your needs best, your next step would be to hire one as your buyer agent. If you are not familiar with buyer agency, please feel free to read about it on my blog at http://www.reneeporsia.com
I do have a question for you though... how much money do you have for down payment and closing costs saved? That is a very important factor.
Your next step would be to speak with a reputable mortgage lender to find out exactly what program would be best for you. If you do not know a lender, you can ask your Realtor for a few names of reliable, reputable lenders who will be able to assist you. Once you have talked with the lender you will then have all of the information you will need to begin your search.
FHA has recently changed their guidelines and have now changed their credit score requirements. It has also gone from 2.5% down to 3.5% down.
Once you have all of your mortgage information, you can then sit down with your Realtor and talk about the areas you may be interested in and what type of home you would like to eventually purchase as well as what to expect during the process.
I'd love to talk with you further about the services I provide to my buyer clients. Feel free to contact me.
RE/MAX ACTION REALTY
(215) 669-0589 Direct
(215) 358-1100 Office Ask For Renee