advice for first time home buyer?

[Thremp]

I'd strongly consider moving out to the county if you don't mind the commute and consider relocating later in the future to SE or Madison. Your 110-140k will go much much farther. Talk to a loan officer before you look at houses or talk to a RE agent. This is really gonna determine what you can buy.

Go 30 year on the mortgage, it'll give more flexibility without much more cost.