If your loan is over 100k I have found the company below to be very competitive, and usually beat, other companies. The best way is always to compare 3 companies if you go solo, or else use your realtor's referral as an addition.
You have been on here for quite a-while Amy, so I will just stress that no matter your time horizon for purchasing you should speak to a loan officer within 12 months of purchasing a home. This is to ensure your credit is where it needs to be (because if it is not the timeline can TAKE as long as 12 months), and for you to budget for monthly payments/DP/etc.... You are not obligated to stick with that person just because you filled out an online application.
The website below actually does have a lot of educational info you may enjoy reading as well.
PS I am a real estate professional and have owned my own mortgage company. You will be able to buy with the right advice, subject, of course, to your own personal creditworthiness.
Also depending on where you are looking to buy there might be downpayment assistance or grant programs available that pay for you downpayment. If you let me know where you are looking I can send you a list of all the available programs. Thanks!