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Assuming your purchase is not cash, you want to contact a lender and see what mortgage you are approved for. A good lender will have a breakdown of your fees with closing costs, insurances (title, mortgage, home), and the estimated monthly cost. Knowing what you are approved for and how much you're willing to spend monthly can be two separate things. Obviously you probably want to see the property, so contacting a realtor is your next step, and you want to make sure they have experience in the area, knowledge of the market, and looking out for your best interest. I apologize as I do not have any experience of Pensacola, but have a very professional lender I can recommend if you want to contact me on that or have any further questions. Good Luck!!
Like Craig said, find a reputable Realtor in the area if you have already been pre-approved for financing. If you have not been pre-approved for financing, most good Realtors will want you to take care of this first so I'd be happy to help you with this.
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