Hello Joyce! Many people are unsure where to start the process, so you're not alone. The best place to start would be to contact a local broker and/or bank & and let them know you're looking to get pre-approved for a mortgage. I have several that I work with that offer extremely low rates & closing costs and I'd be happy to refer you to them. Once you apply for a mortgage and you're pre-approved they'll give you an amount which you're pre approved for (Make sure you ask about payments for the amount you're pre-approved for & make sure you're comfortable with that. Some people aren't comfortable with the payment at the full amount they're pre-approved for). Once you're pre-approved & you know how much you can, and are willing to, spend, that's when the fun begins! Feel free to contact me at you're earliest convenience & I'd be happy to assist you. You can reach me at 513-673-7074 or email@example.com.