Did your loan officer suggest FHA? What price range are you looking to spend? A lot of times rates are better. You do pre pay insurance, however I have had a few clients check, and it was cheaper and better rate when they figuired. One of the lender's that I work with, works like I do, and it's not 9 to 5 hours. It's difficult when you can't get answers when you need. You think the worst!Have you found a property? If you haven't and don't have a Realtor? Please feel free to email me at Barbara@powerteamtexas.com, (972) 757-4527 Please check out the Power Page on Powerteamtexas.com - Sat Sep 5 2009, 21:14