Hi Mashug1, get pre-qualified, and then interview real estate agents with confidence knowing your exact price range and payments for you home. Congratulations, and I hope you find the perfect home! Feel free to contact me to help you negotiate the mortgage market to find you the best rates and terms available. We can even refer an excellent real estate agent to you, should you wish! Hope these comments help, Jim Ryan, Home Savings of America, 703 591 5626 ext 419, Cell: 703 615 4675.