I see you have asked a couple of questions from us all. My suggestion would be to pick a Realtor, than go through who they have been finding success with. Craig is a wonderful Realtor, so as myself. Being in the business for 16 years I have made alot of friends and Criag is one of them.I am also able to set you on your way from finding the best fit mortgage loan officer for you to inspectors, plumbing video proffesionals, roofers, HAVC people, Title Companies, sitting down with you to see what exactly you would like in a home and don't want. So whoever you decide, it will be fine. Thanks again for asking gret questions. The rates today were around 5.75 at the highest with no points, good credit. Sellers can assist if you need to go FHA or Conventional.