I'd like to buy a house at the end of my apartment lease.  My lease
expires on February 28th 2007.  I make $14/hr 40+hrs/week.  By the end
of the year I will be making $15/hr.

I get paid on the second and seventeenth (or the next business day
following each).  On my last three paychecks I netted: 843.84, 962.62
and 1,114.08 and grossed: 1,119.00, 1272.25 and 1,480.50

I am 23 years of age, have two credit cards, one through my personal
bank (Wells Fargo) and one through Applied Card Bank.  They each have
a 500 dollar limit and the Wells Fargo account has an APR of 20.50%
with a running balance of 478.61 and the ACB card has a 14% interest
rate with a balance of 280.00.  My credit history is clean, I've had
both cards for almost 4 years now and neither has made a bad mark on
my credit (according to my free credit report).  I don't know my exact
credit score.

I plan on having both credit cards paid off by the end of 2006, but I
also intend on keeping both of them.


I'm looking to buy a 1-3 bedroom house in:
Bothell, WA (98011)
Bothell, WA (98012)
Woodinville, WA
Kenmore, WA
Lake City, WA (suburb of Seattle)


I would like to know the price range for a house with 1-3 bedrooms in these areas.
I would like a loan that is NOT interest-only, but if that's not
possible, I'd like to know my options.
I would like to know the process of buying a house (First time buyer).

I most importantly would like an unbiased appraisal of my situation
and possible remedy from someone other than a loan officer or mortgage
company.  I would go to a mortgage company and ask them about the
process of buying a house in this area in my situation, but I don't
trust that they'd be altruistic in their answers.

If you go above and beyond, so will your tip... But I'm not messing
around and I want to see something I wont find in a home buyers
seminar sponsored by a mortgage company.  I want the truth.

You have asked a lot of questions but without giving all the info that
is vital to any decision making.

Surely, you can find a property that you would like in the areas
mentioned and you already have some idea of the likely costs? (For
starters, look at properties similar to the one you are now leasing.)
... So how much are you looking at?

You know what you are paying now for your current lease ... Which is?

You must also know how much you can save each month ... Which is?

I'm leasing an apartment with a roommate.  My share of the rent is 437.00
The costs of homes in these areas varies from 200,000 to 500,000 I'm
looking for one around 300,000 or less.

I direct deposit 100 dollars from each paycheck into an ING direct
savings account with a %4.00 interest rate, and I don't touch it... I
just recently started it three months ago, so it's not much.