It looks as if several agents have provided you with quality answers. I want to encourage and remind you to keep all of your credit payments on time and your balances should be manageable. It is often comforting to meet with a lender 6 months to a year ahead of your target purchase time. The lender can make sure that everything that will need to be done, gets done BEFORE you go house shopping.
Let me know if you have any additional questions.
Century 21 Arizona Foothills