When choosing a mortgage lender/broker make sure to compare all the costs you are going to incur and also compare the mortgage options that they have available to you. There are many options and programs that most home buyers are not aware of and lenders may not mention them to you. A good lender will have a wide variety of programs and options available to meet your specific needs. As for 10% down, it would depend on the type of financing you are getting. If you are going with a typical 30-year conventional mortgage with only 10% down you will probably be paying PMI which will increase your monthly payments. It can seem complicated, but a good real estate agent should be able to help you decide what would be the best program for you and would be happy to do so at no cost to you. If you have any other questions or would like to discuss some of the options that you might have available, please contact me.