home mortgage?

HELP!!!!

My wife and I would like to buy a home and/or land. I know that we can afford a payment of $ 400 a month, and we dont need anything special. A $ 40,000.00 loan would be sufficent.

Problem is: I have NO clue how to go about this. How easy or difficult is it to get a home loan for a first time buyer?

Anyone with similar experience in a similar situation? Please advise. Thank you so much!

Expbux
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