The biggest key to losing weight is to start eating healthier, which can be a pain in the ass. Focus on high protein/fiber meals, stay away from starched carbohydrates, and avoid trans fats at all possible costs. Instead of believing alot of the BS you read online about low carb and other fad diets, I would highly recommend you go to see a local nutrionist and have them help you devise a diet. From there, calculate your maintenance calorie level, and plan your diet for about a 500 calorie deficit/day. (If your maintenance = 2500 calories a day, eat only 2000 calories a day). 3500 calories = 1 lb, so by taking a 500 calorie deficit a day, you'll lose approximately one pound a week. With a good diet, you'll lose weight in no time. You can calculate an approximate level of your maintenance level here ->
http://www.bodybuilding.com/fun/calrmr.htm
You can PT all you want, but if you're eating ice cream and Big Mac's at the end of the day, it's going to be very counter productive to your goals.
All that being said, you have to exercise as well. Start off slow like the others said above. Home gyms are expensive, but you have to do what you have to do. I will say that I tend to lose fat tissue ALOT faster lifting than doing cardio, but cardio's pretty important to the Navy, so I would recommend doing both. Conventional wisdom says you'll want to raise your RMR (Resting Metabolism Rate), which means putting on some lean muscle (i.e lifting). For every extra pound of lean muscle mass you put on, your body burns an extra 50 calories a day.
You could start doing bodyweight training and calisthenics. Push ups, setups, squat jumps, lunges, mountain climbers are all good exercises which utilize your body weight. I'd recommend finding a track and doing interval/sprint training with these exercises thrown in there. I hear medicine balls are also incredible for workouts, but I haven't done anything with one yet.
And always stretch both before and after a workout, else your muscles aren't going to recover as fast and you could potentially strain something. The last time I strained a muscle I was med down for 6 weeks.
So what does all this mean for you? Analyze your eating habits and put together something healthy based on advice from your local nutritionist, and I'd recommend getting into the routine of lifting for an hour a day, and maybe easing into the cardio routine with the goal of doing half an hour of cardio a day after a few months.
To touch up on what I said about PRK/LASEK above, I would recommend LASEK over PRK. The recovery time is a little faster, and LASEK has a slightly higher success percentage.
I think I'll do stretches at night when I have nothing better to do as well to get more flexible
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