The best way to start your home buying search is to be as informed as possible on your buying capability. The best way to find that out is to first speak with a lender. They will pull your credit & let you know how much you can afford. Based upon your credit rating & income, you may be eligible for different loan programs & interest rates. If all looks good, you will be issued a pre-approval & from there you are ready to take action with your realtor to start looking for properties based upon proper information.