One of the first steps to begin your home search is to determine how much home you can afford.  On line Mortgage calculators can only tell you what your payment will be on a specific loan balance.  Before you begin searching for a home it is a good idea to get "pre-qualified".  A pre-qualification letter, contrary to what many buyers believe, does not initially require a credit check.  You provide the lender with information about you, your job, income, debts, downpayment and then the lender will give you feedback on the amount you can finance and the approximate payment.  

The lender can then create a 'pre-qualification' letter based on this verbal information, subject to a credit check and verification of necessary financial information.  This letter is required when submitting an offer, unless you are an all cash buyer. 

Let me introduce you to a preferred lender who can help you evaluate the amount of home you can afford, estimate the monthly mortgage payment, and suggest rates and programs you are qualified for.  Call now to get started.  I have hard working associates at Direct Lenders, including FHA specialists.   I recommend only the most responsive, knowledgeable mortgage representatives who can get the loan underwritten and funded in a timely manor.  Call me to get started today!