Real simple..... Apply.
There are a lot of factors in a home loan.

Hire a Realtor for your home search, find a qualified mortgage lender to assess your financial ability to get a loan, and let them be your advisors. Lender is top of the list.

Hi there,
That's great! Well, if you have a relationship with a bank or other financial institution, you can ask them to get you pre-approved. You can also go directly to a mortgage broker to get pre-approved. It's completely free and mostly painless, lol. Please let me know if you need any help in your new home search. Thanks!

Amber Carrillo, Broker/Owner
It Homes
832-643-5632
ambersells@sbcglobal.net

Contact a qualified lender, or go to a bank you trust. If you hurry, you may still be able to get in on the $8,000 first home buyers tax credit. Once you have your pre-approval letter together, you will know how much you can afford to purchase in a home. That's when you contact a Realtor like our office! We'd be happy to help you find a home..... :)