Potential First Time Home buyers, we need help!My husband and I have wanted to own for many years but our credit has not been up to the standards we wish it could be. We filed for bankruptcy and had everything discharged one year ago. We believe we can qualify for a FHA loan but we are not sure how everything works. We currently reside in New Jersey and would prefer to invest here but would Pennsylvania be more reasonable with cheaper prices and bigger homes?1. How do you go about getting the pre-approval from a lender? Where do you go?2. How do you go about finding a real estate agent that works in our best interests?3. When being approved for a mortgage, are there any loans that can help you fix up a property?Any and all suggestions are welcomed. Thanks!September 04 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.