Don't sign any documents until you have more than one opinion.
Let me know if I can help an any way.
Most will accept lower credit scores, but good scores are still important. Keep in mind many sellers will assist with closing cost for a buyer in exchange with a full price offer. Your buyer's agent will assist you with determining the best approach. Speak to several lenders and make sure they have worked with first time buyers. I have several on my web site if you would like to speak to them. http://www.markknowshouston.com/res_list.php?cat=12282&c
Give me a call to discuss your options. Always a good idea to be fully prepared BEFORE you start looking for your 1st home!!
Bernstein Realty, Inc.
Anna Maria Durr, NMLS 266699
2626 Richmond Ave., Houston, TX 77098