Show me the money!  http://www.slideshare.net/Tieinstitute  can be a good place to look.  Buying a home is a big deal.  It is the American dream but a bad loan can be a problem.  Today you can get a loan with low interest on the terms you need but you have to do you home work.  Starting with a good realtor is best. You have to know what you want and speak up when needed.  This decision will be with you for decades in most instances.  You need to be careful.  The current housing market is a buyers market in most areas.  Location is, as always, the number one criteria.