Today more then ever it is important to talk to a lender as one of the first steps in the home buying process. There are fewer loan programs available now then even 6 months ago because of the growing amount of foreclosure homes in the US. Good credit and job security play a very important part in the type of loan you may qualify for. Contact your lender today or find a reliable mortgage broker on my web site and start checking into getting pre-appoved. Ask what your payments might be at a given purchase price with taxes and insurance included, so you can decide if you are comfortable with what your payments would be. Contact me anytime regarding any part of the Buying process.