Everyone says a mortgage broker to see if you can afford the home..
That not always the answer; a Mortgage Broker can help you get into a home if your credit is not so good.
If you are â€œAâ€ paper go to a Bank or "A" Paper Lender.
If you are â€œB or "Câ€ paper a lender may be able to help if you have 5% to 20% down and good employment in order to get a good deal.
If you are â€œCâ€ Paper a mortgage broker is the way to go.
I am a Realtor and Mortgage broker, but I never broker â€œA" or "Bâ€ paper if I can save my client money.
I refer them to an "A" paper lender like Wells Fargo at Keyes Morgage. it save my client money.
In closing make sure you get a written Good faith Estimate prior to applying for a mortgage.
The Keyes Home Team