Then you need to ask for references. I can not tell you how many times I had clients use a lender because they were the cheapest only to end up loosing the house because the lender couldn't perform. Contracts have time-lines and if your lender can't perform to the contract then you can't. You never want your deposit at risk.
As you may know, banks will look into your debt ratio, your income, your credit score and your savings.
The FHA program will allow you to buy a property with 3and 1/2 percent down. If your savings are consistent that's better.
If you are planning to purchase a property, please call me (650) 291-9792, I will introduce you to a loan agent who will do the math for you and provide you with the pre-approval letter that will determine the $ value of the property you can purchase.
I highly encourage you to do so, we have several properties offered for sale - in San Mateo County - at an affordable price. I am sure you will be happy with your decision.
Hope to hear from you.
The answer to your question requires more information than just income. You need to take into consideration what you might owe such as car loans, credit card debt, student loans, etc. Most lenders use what is called a debt to income ration and depending on the loan product, the amount you are putting down, and your credit scores that ratio will vary. As interest rates are at their lowest levels ever you will qualify for more loan/home than at any other time.