First join a credit union, they are better than a bank, they work with you, better rates. If you are a first time home buyer you can receive 100% mortgage. Try NACA.com, they take a little longer to process your mortgage with out any fees and I do mean no fees. Check out the website, also they do not use your credit reports like the banks use it. The banks use it against you, NACA.com use it for you! When you get to make an appointment with NACA, Please mention my name Michael E. Ingaran. When you go to the website you will understand why.
Have fun with your new home, Michael
NACA.Com, Gov. Manuals, Real Estate and Mortgage School, www.debtfreeforyouandme.com.