If you can't answer these questions then you need to get a real estate agent.
First time home buyers should contact a real estate agent before conducting their home search. A buyer real estate agent represents you and they will send you property listings, show and find you a great home, and submit and negotiate your offer trying to get you the best deal.
You will not need to pay a buyer real estate a fee because they will get paid from the seller only if they find you a home and close the deal.
There are a lot of land mines to side-step when purchasing your first home and Firsthomebuyers.net has built a network of Realtors who can save you from frustration and headaches by making the home buying process a more fun and less worrisome experience. Fill out the Perfect Home Finder Form and a Realtor will contact you shortly to assist you in your home search.