are you single/married,
Single
do you have kids or plan to have kids soon,
Not in the next 2-3 years
how long you plan to be in the house
Ideally a minimum of 5-7 years pending any drastic career changes
is this your first house,
Yep
do you have down payment
Yep
what is your credit score
Great
how much can you afford
Max I'm looking to spend on something now is $190k
are you a risk taker
I consider myself pretty conservative at the moment since I don't know much about house buying
Sounds like a nice 3/2/2 will suit you just fine bruh. You are single, your first buy, great credit, you have down payment money. A house note typically runs 1% of the amount financed, so if you finance $190K, then your note w/ taxes and insurance will be somewhere between $1700 to $2000 per month, depending on rate, down payment and term.
You house note should not exceed more than 28% of your income and your total debt should not be more than 35% to 40% of your total income. I suggest keeping your note less than 20% of your income. Meaning, if your total gross income is $10K/month, then your house note with taxes should not exceed $2K per month.
You may be comfortable with a fixed rate mortgage since you are a conservative person, ARMs are more risky.
Make your first offer to the seller about 60% to 70% of their asking price. Then make your counter offer a little higher after they reject it. You will be very surprised how desperate SELLERS are.
You make your money of the BUYING of the house, not the SELLING.
Last of all, buy school district and not house. If you ever want to sell fast, houses in the better school areas sell faster than anything. If the schools ain't worth jack, then neither will your house.