Before getting your heart set on buying a specific property, I highly recommend getting conditionally approved. I am a local Mortgage Broker here in Lake Havasu City with 30+ years experience. If you haven't yet done this, I'd love to be of service. Please call me toll free 800-525-9426 to go over the options available for your personal specific situation. Then I can give your real estate agent the conditional approval they will need to go along with the purchase contract when you are ready to make an offer.