First, figure out how much you can afford. There are many calculators out there that you just punch in numbers and it will figure it out for you.
Next, figure out what you need in a home. What you want in a home.
Then go online and search for homes! There are many websites out there, usually the same ones that list rentals will also have homes for sale. You input your needs/wants/price and pick your home. Websites have the agent listed so you can call that way.
You can also just pick an agent, and they will walk you through the above steps.
Good luck! It can be a fun, and frustrating, process! :)
There is 100% Financing Home Loans with No Money Down available to everyone. You do not have to be in the military or prior service. You do have to have a decent credit score and the lenders will offer you rates that are the lowest around. Always ask the seller to pay for you closing costs, a home warranty, and your termite inspection (you'll need that for your loan). Its really a pretty easy process to buy a home, being an EDUCATED buyer is key.
Buy on 15 years-not 30-if you can't afford it-don't buy it. Big down payments are not necessary and may not reduce your payment much, crunch the numbers first in each scenario, if I put 5, 10, 15, 20% down, etc. what is the payment?