The first thing that you always want to do as a part of the buying process is to get pre-qualified for a loan. I have a great lender that I recommend and have successfully closed transactions with in the past.
You are always able to get pre-qualified or get a mortgage with your own lender. I trust these lenders and work with them on a daily basis. They will take the best care of you, provide great rates and service. The 2 things that you want to get out of being pre-qualified are what type of down payment or cash to close am I going to need? And how much will my monthly mortgage be? The lender can give you a good faith estimate that gives you the confidence to know that you are pre-qualified and what it will cost you at different price points. As a general guide once you get a good faith estimate every 10,000 up or down in sales price will change your monthly mortgage by roughly $50 a month. You may not want to spend what you qualify for so find a price point that is comfortable for you and your budget. Once you know your purchasing power, then we can go out for house hunting! The fun part!