Thank you in advance for any information provided. My husband and I are looking into buying a home. However, I have no idea where to even began. We are looking to build a home with Ryan Homes. We went to speak with them today and I found out the cost and down payment. My credit is fair and my husbands is even worst. We have a growing family and really need the space. Any ideas of where we can apply for a loan or what can be our next steps to buying a home.