first time home buyer - steps to take toward prequalifying?

[Mike]

My husband and I did not have credit scores two years ago and wanted to buy a house. So we had to establish credit. We now have a little credit, none bad with the exception of there being a lack of and we both are in the 650s credit score range now. We want to buy a house now, have excellent income between the two of us and even have a home picked out that we both love and are confident we could afford. Having said all this the next step, getting prequallified, is so overwhelming and we don't know where to begin or with who... believe that we want to get a FHA loan, should we go to a bank or use one of the many internet sites that advertise finding you the best loan? Any advice would be great!