Pam, in case you are still comparing lenders and enhancing your credit score, I suggest you make the decision to work with Tom Burris - who commented below - for your loan, and pick any of us who responded as your real estate agent. Your agent can focus on finding the right house, and Tom can focus on processing the loan. His reputation precedes him, and he answers questions on trulia.com regularly and with helpful detail. For most any purchase of a home in Texas, the real estate agent's commission is paid by the seller of a resale home or the builder on a new home. So, there should be no out-of-pocket expense to you for having a Realtor's assistance with finding the right house.
There are new rules about lenders and Good Faith Estimates going into effect on January 1, 2010. There is also a new form, which is helpful and confusing at the same time. Good lenders are going to become an even more important piece of the puzzle in 2010. Having a good lender and good real estate agent working together to answer all of your questions should be on every buyer's agenda as we head into the new year.