Contact a local Realtor.? They work closely with lenders and can find one that best suits your needs. (VA for vets; FHA for first time buyers, etc) Some states have first time homebuyer funds (such as Missouri). Once you get preapproved, your real estate agent can run comparatives for you on the property you are interested in purchasing.? If it is a short sale be prepared to be very patient and hopefully you do not have a lease expiring soon. It is still very much a buyer's market so your agent can assist you with comparing properties for the best choice that fits your needs.
Source: http://www.zillow.com/advice-thread/Can-i-get-a-mortgage/466506/
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