I recommend working with a mortgage broker, as opposed to a bank or other lending service, Good Brokers not only know policies and histories of local lending agencies, but they know individuals within the different institution, and their knowledge and connections they will be able to get you the best deal possible. Find one whose commission is paid by the bank, it's one bill you should not have to foot.

Best Regards,
Alessandra Marx
alessandra@elikaassociates.com
http://www.elikaassociates.com

Consult your REALTOR who is familiar with the neighborhoods you are shopping and can advise you on the appropriate loan package for your situation, including down payment assistance and tax credit loans which reduce your housing costs.

Shop rates with two or three loan officers.