If you are not working with an agent in the 12866 zip code area and are still in search of a property or need a strong negotiator, please call upon one of our agents, including myself. We are always available to assist buyers in their quest for a new home. email@example.com
you can choose any lender which you wish. Of course, you will be subject to their stipulations, terms of loans, and conditions. Having the 20% doesn't guarantee you a loan, but it definitely helps out.
To prove income, of course any current pay stubs (put you are retired), so information from investments, cash flow, retirement checks etc will be needed.