Newbie need help and ready to learn

[Erere Ovirevarie]

I am a newbie in real estate but i have read alot of stuffs online and my credit score is below 700 because i started building my credit last year but my wife have 700 plus in her credit but still own so much like cars loan and many stuffs on her credit, i am thinking about the financial aspect of how to secure a loan on my first property, down payment is not an issue to me as i have over $20000 for that.i live in tampa , florida .i will appreciate any useful help from professional on here.i am ready to learn