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			Talk to a mortgage consultant. See how much you can spend and get pre-qualified. If they are a good, well known firm, they will refer you to a good realtor. But it's hard to start scouting for places to live if you don't know how much your loan amount will be. If you have X amount for a down-payment, but your credit won't get you a loan to cover the rest of it, you'd want to know that before you find your dream home. 
 
Pre-quals around here are usually free.  
 
If you can, scout the newspapers for "free homebuyer seminars." Usually they are put on by loan consultants or people in the business. And you can learn about the different types of programs available to you.
		 
		
		
		
		
		
		
			
		
		
		
		
		
	
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