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Congrats on wanting to buy your first home! The advice you've already been given has been great. I would just add that if you're considering buying a foreclosed property, and you're taking out a mortgage to do so, you may have run into a problem. Depending on the condition of the property, there are certain situations where it may be difficult to get a loan. If the property presents health and safety issues such as mold, structural problems, etc. lenders are shying away from issuing mortgages on these types of properties. Usually if the homeowner is not making their mortgage payments, they're not maintaining the home property either. Sometimes they abandon the property all together which creates a whole new set of issues. You may have better luck purchasing a short sale property. Where the homeowner is still in the home, and hopefully still taking care of the property.
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For Sale: $174,900
For Sale: $156,900
For Sale: $60,000