Your best bet would be to talk to a mortgage broker in your area to find out what you would qualify for. Do you have a steady income and a good credit score? You will also need sufficient income to coveer taxes,insurance & maintenance. Good luck!
First buying a home can be very scary and it helps tremendously to have an agent that can meet with you face to face and help explain the process and point out potential areas of concern. As a local resource I would be glad to meet with you and discuss your specific situation and make recommendations and referrals to professionals in each area to insure you get just the right home at the right time.
You can logon to my website free of charge and also apply a quote on a loan via one of our mortgage partners at http://www.GeraldRoss.weselltuscaloosa.com, good luck, hope to hear from you soon.