I'm glad you found this site and posted your request, you will get a number of responses to choose from so that's great.
If you want to get an inside scoop as to what lenders are looking at these day with regards to home financing and pre-approvals, you can visit my video blogs at www.billtdanielsblog.com for a ton of valuable information on various topics. Two I would recommend immediately for a home buyer are below:
http://billtdanielsblog.com/2011/06/four-key-things-lenders-look-at/ (3:28 min video on what lenders look for)
http://billtdanielsblog.com/2011/07/10-commandments-when-getting-a-mortgage/ (2:49 min video on important things to know during the loan process)
I hope these are helpful. Feel free to call me on my cell phone if you would like to make sure you are 100% pre-approved for the price range you are looking for. We also offer 99.5% financing right now which 3% of it is a 'grant' that does 'not' have to be paid back.... and you 'don't' have to be a first time home buyer either. Ask me about that when you call.
Talk to you soon.
Bill T. Daniels
Direct Lender / Broker Associate