Hello Deborah - not only will you need a great realtor to help you, but you will also need to talk to an experienced mortgage lender to go over your finances with you to see if you can qualify for a mortgage, and, if so, how much of a mortgage you will be comfortable with. It is crucial to speak with a lender BEFORE you start looking at houses for several reasons. First of all, you need to know absolutely if you can, in fact, purchase a home at this time. You don't want to spend a lot of time lookin pg for a home and then, having fallen in love with a home, find out at the last minute that you do not qualify. Secondly, most sellers and all banks, in the case of short sales and foreclosures, will demand a pre-approval letter with your offer, to show you can, in fact, close on the property. You need to completely ready to move on a property when you find "the one". You don't want to fall in love with a property and lose out to another buyer simply because you are not yet pre-approved. Finally, if you cannot qualify today, a good lender will work with you to formulate a plan to get you to where you will qualify in the shortest amount of time.
Feel free to contact me at 704-609-2688 and I will be happy to not only help you find that perfect home, but get you in touch with a trusted and experienced mortgage lender. Best success! Kathleen Turner, The Kathleen Turner Realty Group, Keller Williams Realty KathleenTurnerRealty@gmail.com