Talking with a loan consultant should be the first step in buying a home. They will figure out what type of loan you can qualify for, how much you can afford, and your monthly payments. Once you have done this, you will have a better understanding of what you might be comfortable with and not waste your time looking at houses that are out of your price range. The seller will also want to see, not only the pre-approval letter, but also proof of funds for the down payment.
Let me know if you need help with any of this!
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