One of first steps to buying a home is to call a mortgage lender and find out how much of a mortgage loan you will qualify for.  They will ask you about your income, debts and liabilities.  It only takes a few moments and it is purely confidential.  Please call Mary Beth Bracken to find out how much you can spend on your new home.  Her telephone number is (757) 306-8695.  Please tell her I sent you.  Mary Beth is great to work with and has been in the business for many years.  You can also reach Mary Beth at mary.bracken2@wellsfargo.com