You can get a lot of thoughts, ideas and opinions here naturally... however we are mainly Real Estate Agents, not mortgage brokers or bankers. Even a Banker would need to take down your details and run an estimate to give you a Letter of Pre Approval or a Letter of Credit. The estimate or Letter will generally at no cost to you what so ever and will server two purposes, 1. You will know what you are qualified for... and 2. You will need such a letter in many cases to put in an offer on a home to show credit worthiness.
Get your free letter at most Banks who do home loans and Happy Hunting for your new home!