Hi Melissa, Yes, sit down with a reliable loan officer. The credit score is important. They will want to know your income and debt and they usually want only 32% of your income to be alloted for housing. These guidelines are meant to protect you. But definately don't get pulled above what your might be comfortable paying either. Great question. If you aren't sure where to go, start with your banking institution, then check out a Mortgage company like Ruoff, Hallmark and Summit Mortgage. It is important first to see if you qualify, then ask about loan types, the interest rate, and the fees. Many neglect to learn of the fees associated with the loan so you will want to know that. My experience has been that I have smoother transactions with local loan officers, that I can call or meet in person. I have had some bad experiences with deals where the lender was outside the area and found on the internet.