Mr. Mendelson is correct, agents are interested in who you are working with because they would like to represent you should you not be, myself included. He is also correct in his other advice. It is wise to look at your monthly payment (including taxes and insurance) as often you can be qualified for an amount that would necessitate a payment in excess of a figure you are comfortable with. One word of caution, when ready to go shopping, select an agent to represent your interests in the transaction (a buyers agent) rather than using the agent listing the homes you wish to see. Remember, the listing agent is sworn to represent the best interest of his seller and so cannot effectively guide you through the negotiation process in the way that a third party could and since the brokerages each get paid a pre-determined amount by the seller rather than the buyer, there is no downside to involving an agent other than the listing agent. Glad to hear you are getting some satisfaction with Wachovia. Good luck and please call should you need assistance. 434 825 2468.