Speak to a few different lenders and I would also talk to a credit expert to see if they can help fix your credit quickly. Let me know if you would like a recommendation for a good credit person.
The only way you can get specific on a search is through the multiple listing service. A realtor can help set this up for you. Reach out and interview a few agents and pick the best one to represent you and have them work to set you up on a more specific property search.
Yes. Closing costs are the costs associated with closing on the property, down payment is just for your loan.
You can finance it. Unless you are told otherwise you should be ok.
Speak to a good mortgage lender about this. They will be able to answer your financing questions for you.
Yes as long as you are buying or selling in the state you have a valid license in. But that doesnt necessarily mean your going to save money in the process by doing it yourself. A seasoned professional will still be your best resource. Just because you read WebMD doesnt mean your a doctor.
Reach out to a few agents and see who you think is going to be the best person to help you out. Everyone is going to have a different opinion on this subject. Plus it depends really on what things are most important to you and your husband and what your needs really are.
Reach out to a good mortgage lender and have them help answer this for you.
I would ask them to remove it and have them send you a new estimate just to make sure you have it in writing that its not going to be there.
Find a good Realtor to help walk you though how to narrow down your criteria to find the right place. Its free to use a buyers agent.