Hey i was in a similar position a year ago and meet this wonderful real estate lady Evelyn Taylor. She told me about some programs we were able to get into to get a nice house at an affordable price. Unlike other agents she don't mind telling you the things you can do to lower you rate and monthly bill. Me and my wife were able to get a 4 bed room 3 1/2 bath and a pool out in Sherwood for a great deal. Don't know how she pulled it off and my wife and kids are still in love with the house compared to where we came from.