What is the first step I need to take to try an purchase a home?

The very first thing would be to get pre approved. A lender will take an application and run your credit.. they will also request supporting documentation (pay stubs, tax returns, bank statements, etc..) Once they have your complete profile, they can advise you what steps would be necessary to obtain financing.. Sometimes, you qualify right away, and sometimes, there's work to be done before you qualify.. but a qualified mortgage broker is experienced in dealing with just about every type of buyer scenario. For this reason, I suggest you contact a LOCAL mortgage broker and apply with them. Also, by applying with your LOCAL 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 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 larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

William explained it very well!

Give me phone. I will text u instructions that make it simple