Betty, the best way is to meet face-to-face with a Loan Officer. Go prepared with your 2011 & 2012 tax returns, 4 most recent paystubs and recent bank statements. They'll go over all your financials and credit and determine exactly what you qualify for, financing options, rates, estimated monthly payments, etc.
This is also a great opportunity to go over any questions you have or doubts. You'll become a more educated buyer by taking the time to attend a one-on-one appointment with a good Loan Officer who is willing to give you all the information possible, as oppose to rushing you out the door. Some things you just can't do over the phone or a website.
If you're interested, I'm always available to meet in one of our Manhattan, Brooklyn, Queens & Long Island offices. I'm honest, knowledgable, reliable and resourceful. Feel free to call or email anytime. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(516) 740-4478 Office
(516) 918-5383 Fax