Amy, contact your favorite real estate; he or she will put you in touch with a lender who will work with you to find your best means of financing and provide with a pre=approval letter so that you can confidently begin your house hunting. If you are a first-time buyer, you will find some very good options including some grants, some special funding etc. Since each of these may be pertinent to certain areas, you will need the cooperation of both a real estate agent and a trustworthy, knowledgeable lender. Good luck! Liz, 612-986-4105
PS I am a real estate professional and have owned my own mortgage company. You will be able to buy with the right advice, subject, of course, to your own personal creditworthiness.