Please use our team to help you locate a reputablelender who will explain your questions on loans.   It is imperative that the lender get your permission to check your credit and give you a good faith estimate that will show your costs to acquire the loan.  The best resource in finding a credible lender is a REALTOR with loads of experience in real estate sales.   You can look at many homes and go through the experience BUT you must have concrete financing in place to purchase a home in this market.  Wanda Powers and Cyndie Scott are licensed Realtors with loads of Real World experience!  Choose a Realtor who has your best interest at heart and will guide you through the process from viewings to “here is your key!”