Borrowing money to buy a home is a significant financial undertaking, and there are a number of things that both you and the bank need to take into consideration.  My first advice to you is to contact a loan officer at your local Security First Bank either in person or over the phone.  He or she will be able to directly answer your questions, and if you are interested and ready, they can start the application process with you. 

To help you determine if obtaining a home loan is right for you, a loan officer will need to know your income and some other financial information about you.  If you decide to begin the application process, be prepared to present a government-issued ID, proof of income (such as pay stubs and/or tax returns) and information on other assets, such as bank statements and retirement accounts. 

Truly, your best, first course of action is to contact a loan officer.  Or, if you prefer, the Federal government’s Housing and Urban Development (HUD) website, found at www.hud.gov, offers a wealth of information for potential homebuyers.