Find out if the now is the time for you to own a home.  It just takes a little grit and determination. Buying a home for the first time is like learning to play chess.  There are terms to master, skills to learn, strategies to grasp, competitors to outmaneuver.  I'll give you a couple steps that you must do by yourself.  First decide which lenders you wish to approach for a pre approval then make the calls or emails.  You will be guided through a little application.  Second if you are comparing rates and terms check out www.consumerfinance.gov/mortgage to compare terms in your loan estimates.  Once you know how much you want to spend on a house and how much a lender will give you it's time to choose your Realtor.   Don't attempt to do this alone.  You should consider an Realtor with Anderson & Kime Realty Service because we have a tried and true step by step process we will execute throughout the entire process.  HOW NICE IS THAT!  You will know what comes next.  Our Realtors will look out for you and explain the paperwork completely, provide sellers disclosures so you know everything about the house, walk you through as many homes as it takes during the time you have and encourage you to use your options for home inspections and other inspections if needed.  You won't get this treatment if your out there on your own hoping for the best.  We pride ourselves in providing a successful experience for consumers.   You deserve the best