Congratulations on your decision to buy a home! There are so many things going in your favor right now as a first-time buyer! Great rates! First-time Home Buyer's Tax Credit! Fantastic supply of homes to choose from! Motivated sellers! Reduced home prices! Great Lending Programs available!
My suggestion regarding a lender is this ... find someone that listens, will spend time with you and answer questions, has experience and expertise, and is referred to you by someone you trust, whether it be trulia.com, another internet contact, or a personal contact. Now more than ever, you need a strong advocate at your side.
A good place to start may be an attorney or realtor you know and trust. Other professionals such as your insurance person and etc. are great sources for qualified lender names.
I hope this provides you with some helpful hints to move forward with your purchase. Just remember, if you wish to utilize the First-Time Home Buyer's Tax Credit, you must close on a home before the end of November 2009. I'd hate for you to miss out on this great opportunity, if at all possible to gain from its benefits.
Gene Mundt, Professional Mortgage Banker