Yes you definitely need to figure out how you will pay for the home first before you start looking. Contact a mortgage professional (if you don't have one I can recommend a very good one) and find out what you will qualify for. There are many programs out there for different types of people in different types of situations. You will need to be up front with your lender and tell him/her everything because they are trying to help you. :)
When you are ready to look for a home I would be happy to assist you, or, depending on what area you are looking in (I see you are in Payson) I may be able to refer someone to you.
Essential Properties, Inc.
15560 W. Roosevelt, B102
Goodyear, AZ 85338