Trying to buy a house within the next 6 months can anyone help a 1st time home buyer?

The time to start getting approved would be now. I suggest you contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Pretty much every lender can help a first time home buyer. Simply contact a mortgage broker in your area, give them a full loan application, and let them zero in on the options and programs available for your personal situation. Its easy, and there is never any obligation. For First Time Home Buyer programs in MN, WI, and SD, visit me at www.FirstTimeHomeBuyer-MN.com