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Buying a home today is not like in your parent's day. Not like last year, last month, or even last week.  As the market changes so do lender requirements. Interest rates rise and fall affecting how much home you can buy.  Down payments can be 0% down with a 102% loan affecting those who have little cash to spend. Foreclosures create a pool of homes priced attractively for new buyers.  All of this will affect how much you spend on a home, how much maney it takes to close the loan, and what your payments will be.

For the best loan service put yourself in the hands of an experienced loan officer with a breadth of knowledge to help buyers from the first timer to the veteran.