The best thing to do is to start with a trustworthy mortgage lender, not just a banker. Discuss with them what is realistic for you, realistic in terms of affordability & when can you afford it. If you have some blemishes to work out (most folks do), have them review your credit and advise the best path to bump credit scores, and give a fair estimate on time that it will take to heal and get you qualified for what you would like to spend. I can recommend a few local CNY loan officers to you. Call or email anytime
315 701 6996
I hope this helps!
-Michele Nastri of Keller Williams Realty