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Start with a locally owned bank's mortgage department (some have on-line applications) or a mortgage broker who has been in business for quite some time and is experienced with the various loan products. You will need two bank statements and two years of W-2s at a minimum. They can tell you what else they may need to see. They will access your credit score and look at debt-to-income ratios. Experienced people can tell you how to turn a not now into a yes, what to do to get there, as well as approximately how long it will take. It is important to remember that companies deal with different lenders so while one may have a minimum necessary score of 640, someone else may be able to approve you with 620 for example. It is also important to take this necessary first step to buying a home rather than start looking first because there could be things on your credit that are not even yours, but need to be cleared up. This takes some time and if you've fallen in love with a house, you may lose it to someone else during this process. Best wishes as you begin this process!
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For Sale: $50,000
For Sale: $133,500
For Sale: $175,000