Arnold Richie, RealtorÂ®
Terry Burnaman Realtors
713 823 5896 cell/text
I would purchase the mortgage credit report from the first lender and shop a few others with it so they can quote you a rate and they won't be pulling your credit every time.
Anna Maria Durr, NMLS 266699
2626 Richmond Ave., Houston,Texas 77098
You must also have steady income and low debt to income ratios. While you must have steady income, the income amount has more to do with the amount of the loan rather then the interest rates.
Out of all of the Buyers that I represent, first time home buyers are by far my favorites! Here is some information on my website I published for first time home buyers: http://www.homeskatytx.com/informationandfaqsforfirsttimehom
Hopefully the information provided in this link will answer a few of your questions. Don't hesitate to call me at (832) 594-1265 or email me at email@example.com if you have any further questions or need recommendations for a lender.
Best of luck!