One thing you can do here locally is check out the SCORE program.

My credit score is nearly 800.  

Here is he JPEG version, front and back

Terms are really based on many things, the ability of the buyer/homeowner to pay it back, their credit worthiness, credit score, debt to income ratio, payment history of current debts, and job stability/pay.

If your credit score or DTI won't qualify you are going to get stuck with a VERY expensive loan and no exit strategy.  

You should find out what kind of electric heaters are those, people told me that newer versions are a lot more energy efficient.  

Go to annualcreditreport.com, it is the site created by the three credit reporting companies.Obtaining a credit report for yourself does not negatively effect your credit score.

Adam, Thanks for the words of encouragement.I know my credit score will be a large factor in the deal, but will my W2 income matter at as well?

@matt MI get what you're saying Matt, I'm just talking about new sorts of things people are doing or different versions of the old things that people are doing.  

You are in the right place to learn.I would start by listening to the podcasts as often as you can, paying particular attention to your niche, but also listening to other topics that you may not currently be interested in.Read the blog and the forums - there is a lot of great advice there, too.What does your credit score look like?