First time home buyer

[Jaime Villanueva]

Looking to buy a home, what would be my first step into getting a loan? What type of loan should I go for? Would a private money lender b an option?

[Aaron Moore]

@Jaime Villanueva

Congrats on taking the leap (or at least the first step towards it).  I would echo what James said above, and start with a good lender who will guide you (and not sell you), give you options, and if now is not the ideal time for you to pull the trigger, lay out a good road map to get you there.  Connect with a trusted local real estate agent (this site is a great resource for unbiased recommendations) who can recommend a solid local lender as well.  If cash is tight, ask specifically about any local first time homebuyer/down payment assistance programs as well.