Whether you are just starting to look for a house, or whether you are ready to close, you will need to talk to a lender or mortgage broker. They can help to determine how much you can spend on a new home and give you a "prequalification letter" stating that you will be able to borrow funds to cover the price of the houses you are looking at. Many realtors will not show you houses unless you have this letter. When it is time to close, you will need to determine who you are going to borrow money from and you will need to shop around to get the best rates. Doreen lists a couple of lenders here who may be able to help you with the process.
Whether you are just starting to look for a house, or whether you are ready to close, you will need to talk to a lender or mortgage broker. They can help to determine how much you can spend on a new home and give you a "prequalification letter" stating that you will be able to borrow funds to cover the price of the houses you are looking at. Many realtors will not show you houses unless you have this letter. When it is time to close, you will need to determine who you are going to borrow money from and you will need to shop around to get the best rates. Doreen lists a couple of lenders here who may be able to help you with the process.