It's difficult to say exactly what the first thing someone should do is... But a safe bet is understanding how much you can afford.
There are many "calculators" out there that can assist in this. But the best way to get a complete understanding of how much you can afford (and qualify to borrow) is to talk to a loan officer. Any good one will consult with you for free (If you find a lender that wants to charge you for an initial consultation, RUN, don't walk away).
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