Hello Meredithj.harris+trulia, so what is your question exactly. You will need to be pre-approved to be able to meet any agents to view and submit offers on any homes of your choice.
Do you have down payment and closing costs or do you need down payment and closing cost assistance programs? Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing cost.
You may consider FHA 3.5% down from a minimum 580 fico score and from 3% down conventional from a minimum 620 fico score up to $636,150. You may consider down payment and closing cost assistance from a minimum 640 fico score.
If the home prices is more than conforming loan amount you may consider 5% down from a minimum 720 fico score up to 1.5m and from 10% down from a minimum 680 up to 2.5m.
How much do you pay in rent and what is the maximum payment you are looking to afford? You can be emailed listings to fit your search criteria from any agents. When you are pre-approved you will know your qualifications to start shopping...