Three years is a long time to wait - you've received some great answers below - speak with a local lender, who knows the local market where you want to live, not necessarily where you currently live if you are looking at relocating.
With inventory currently at an all time low, buying a home is now a process - your best solution is:
1. Speak with a local lender - here are 2 of my local favorites:
Paul Porteus with Prospect Mortgage (661) 547-1250
Joseph Fernando with Performance Mortgage (661) 547-1435
2. Start your home search now - find a website that works for you - here's one:
- these are currently available homes in the Antelope Valley
3. Be PATIENT - be prepared to write many offers, but go out and look at properties, check out open houses on the weekend - you can find those in the AV Press or via my website at http://bit.ly/11oLcxc
I wish you the absolute best of luck - and if I can help you look at properties when you are ready, please let me know.
Tamara Stoebe, REALTOR/Notary
GRI, e-PRO, CHS, QSC
DRE License #01827461
Prudential Troth REALTORS
1801 W. Ave. K
Lancaster, CA 93534
Fax (661) 422-3006