Ronnie.
Sounds like have not you sat down with a mortgage loan officer yet. Before Karen and I go out with a buyer to look at homes we have them get together with a mortgage banker. To me getting together with a loan officer is the first step you should take when buying a home It can be one your agent recommends or some one you fine on your own. I would suggest a mortgage banker, not a mortgage broker. That way, you can get pre-approved for a loan( know how much home you can buy) and get your questions pertaining to the loan answered up front. - Mon Jun 2 2008, 10:23