find yourself a mortgage broker or walk into your local bank.... FHA loans can be had for 3% down or $4500 based on the $150,000 house. they can also walk you through the math on how big a loan you can afford on your income!
There are normally classes you can take in your local area for 1st time homeowners. It's a big investment and certainly worth a few hours of your time,
good thing your credit score is excellent!
