When you decide you want to buy your first home, the most important thing is to talk to a lender and get approved.  The lender will tell you how much you can borrow for a home, what type of loan will be best for you, and how much down payment you will need.  This First Time Home Buyers Mortgage Checklist shows you what you will need to get a loan, and when you start thinking about buying, call me and I can refer you to a great local lender who specializes in working with first-time home buyers!