Get a reliable Mortgage Broker. It is inperative. Their advice is free and it cost nothing until your Appraisal is ordered. A Mortgage broker is the second step to home ownership. They know of all the programs which may apply to you and your particular situation. Also during the transaction your agent can ask for closing cost, which can inclued but not limited to your pre-paids, escrows, warranty, and survey, etc. Most Seller will pay this items if the purchase price is acceptable.
if you need further assistance feel free to contact me.
Century 21 Scheetz Indianapolis