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It sounds like you are on the right track. One of the first steps in the home buying process is to work with a lender to become prequalified or preapproved. The lender will need your basic information and will be able to work with you to determine which type of mortgage is best for you (Conventional, FHA, VA, etc.) and at what terms. The lender will also give you specific information as to how much house you can afford, including your taxes and insurance and other monthly expenses. They will give you an estimate of how much you will need down and approximate closing costs. A good lender will also advise you of steps that you need to take to clean up your credit. Best of luck!
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For Sale: $64,900
For Sale: $30,000
For Sale: $99,900