Good morning Kaitlyn,
Since I specialize in working with the best of the best, I would be happy to refer you to a great lender who can have a more in-depth conversation with you and explore some of the very good points that the others brought up. I feel it is important to work with a lender who is experienced in both first-time buyer programs, as well as working with Realtors & new purchase loans. What I hate is someone who promises the moon and only delivers moonrocks. It is so important to look at the entire equation - amount you qualify for, cost of the loan - both in up front costs as well as interest rate, and anything "hidden." While I am not a lender, I have a finance background, so I am a great sounding board so you can make sure the loan you are getting is the best for you. I am very protective over my clients, and I do not like anyone being taken advantage of. (That is part of the reason why we are in the credit mess you see in the news!)
Either way, feel free to ping me at LBaker@apr.com or give me a call and I can give you the names & numbers of my favorite lenders.
Alain Pinel Realtors