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Find a realtor who you can connect and feel comfortable with. Buying a home is not only a big financial commitment, it's also an emotional one. Find somebody you feel comfortable asking questions so they can help you through the whole process, from financing to closing and all the questions in between.
I agree with Sean and keeping it local but there are a few other things you can do to prepare for a conversation with a lender.1st) find out what your credit score is. Every citizen is allowed to pull thier credit score once per year for free. (Google free credit score.) The FHA has just raised its acceptance level to I think 640 so if you have less than a 640 score then you may have to look elswhere.2nd) Where you are single and have 4 children with a credit score of less than 640 contact your city or state housing athority they may have a program that you qualify for.3rd) Most programs work with a 28% 34% ratio. That is 28% of your income can be figured as going to your housing. That is principle, interest,taxes and insurance. And a total of 34% can be applied towards all oof your revolving debt ( credit cards , car payments etc.) good luck!
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