I'm a realtor so can answer many of your questions. The most important thing to start with us developing a relationship with a lender. Do NOT go to a regular bank. Find a mortgage broker that is local to your area. There are several different lending programs you may qualify for and they have different amounts of down payment amounts anywhere from zero to twenty percent. The financial part of buying is the longest stage. I have clients that I've worked with for over two years.
Get a recommendation for a realtor either from the lender you choose or friends that have purchased recently. If you have any questions as you go forward, please don't hesitate to ask, I'm delighted to help.
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