If you want to be in your new place by the December Holidays, you have to get serious NOW! 

Interest rates are down and there is lots of real estate on the market.  This is not the time to get a morgage if you want to put just a little down unless you are a FIRST TIME BUYER, buyt if you have 20% and know what you can borrow, you are in a great position to buy.

There are new and improved sources for first time buyers.  And that isn't "first time ever" rather, I think there is a 3 year period since lsat purchase. 

See my website: http://www.christine-cook.com to find links to mortgage sources.  They will give you the information you need to determine what you can afford within your budget and get you pre-qualified to enhance your negotiation position when you make an offer!

So get your homework done and call me!