Your first step is to contact your local CDC (Community Development Corp). They will enroll you in a 1st Time Homebuyer's Seminar. Once you attend and complete the requirements you can get a $500 settlement grant. They can also offer you free credit counseling services. You will need to get your FICO credit score up to a minimum of 620 (most lenders require 680+) before you can qualify for a mortgage.
Your mortgage pre-approval, current savings on hand, and monthly income will qualify you for a maximum mortgage amount. This will inform you of the price range you can purchase. Once you do these steps, you can start house shopping.
Please feel free to call me once you are ready or anytime you have any other real estate related questions. I'm always available to help you.
All the best,
REALTOR, Property Manager
Your Real Estate Resource For Life
Cell: (267) 254-7994