It largely depends on the specific location and factors surrounding your sub-market. You never want to rush to bring a home to market. There are many fundamental aspects to consider and prepare for. Perhaps you could send me your address and I could do a thorough analysis of your area?? Feel free to email me at email@example.com
Check with Key Bank for a program called "My Community"...I represented a buyer last year who was able to get approved for a $0 Down, no PMI loan. There are income limitations, certain DTI (debt to income) ratios , and property location requirements you'll need to meet. Washington Federal Savings may also have a similar program available.