Sit down face to face with your Mortgage Banker to be thoroughly prequalified. The prequalification process takes into account your total financial picture: income, assets and credit. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.
You can verify the License of any Licensed Mortgage Loan Originator at nmls.consumeraccess.org
Hope this helps,