A home is one of the largest investments you'll ever make so proceed with knowledge. The first step is to consult your local mortgage company, credit union, or bank representative who handles home mortgages.
Many people qualify for more home than they expect.
Others find that if they just wait until they pay off some bills or have a little more time on the job, they may be able to qualify for a higher mortgage amount. Veterans who have VA benefits may not have to put anything down, however, they will have to have some funds available for closing costs or prepaids. At which stage you may find this home or if you have decided to build from scratch, of course, will determine how much influence you may have. The major systems will need a though inspection however to determine their condition, and home inspection for defects or repairs needed. The best way, especially as a first time homebuyer, is with a Real Estate Professional.