Looking to buy first home in NY

[Elena Livins]

Hi all,

Haven't been on here in a long time and look where we are now. Currently I am stuck working from home in my rented Brooklyn apartment, with my mother, longing for a backyard, privacy and cleaner air. Still I am lucky and extremely grateful that I am still employed, have groceries and a roof over my head, and my family is safe!

I've come closer and closer to the conclusion that I am ready to invest in a home, and now I feel so ready I can taste it. But I am also having anxiety about making this major step, I don't know where to start. I keep reading information, I know what I need to do but I have this fear that I may be rejected for a loan...or what if I'am approved! There's so much work to be done! How do people do this??

Anyway, I wanted to reach out to this community to see if anyone has any advice, encouragement or warnings.

I don't make much (bet 75K-$85K), I have student loans ($55K), and credit card debt ($7K) that I am paying down. I would be able to make a down payment of $10k-$15k, and I want a 2B house an hour from the city upstate NY. Just for reference.