The first thing you should do is to contact a mortgage representative to discuss your options. That person will run your credit and ask questions concerning your income, any sources for downpayment, whether perhaps you qualify as a veteran for no downpayment etc. I don't think in New Jersey at any rate (where I am from) there is any first time money available at this time, but a knowlegeable mortgage person would know better. If you would like recommendations, I would be happy to provide you with a few names, but truthfully, at this stage, if you speak to someone knowlegeable, it wouldn't be necessary to contact many people. Later on, that might be a good idea to compare prices. Once you know you are qualified for a particular price point, then you would then need to decide where you want to live and what is available to you to purchase. At that point, you should contact a realtor who can send you samples of your options in terms of single family, condos, and different towns. There is always compromises to be made, no matter what price point you are at.