As a local Etters, REALTOR, I here similar questions on a daily basis. There are a LOT of factors that go into answering the question of "How much can I get approved for?". Something to definately consider is the USDA financing option as there is the option for 100% financing, and NO PMI(primary mortgage insurance) that typically accompanies FHA or Conventional loans. USDA is a "rurul housing" loan program and if you know the area, as you head south on I-83 once you hit the Fishing Creek exit everything should qualify. If you are considering Etters or really any of Central PA, I'd be happy to address any specific questions you have.
Andy Rhine, REALTOR