First talk to a mortgage lender. Go with a name company, like National City Mortgage, or Countrywide. After you are approved for a certain price contact a Real Estate agent. The first step is to avoid those who answer every question on here with a copy and paste answer full of misspellings and grammatical errors. That is the first area to start. Also find one or two reputable local mortgage brokers. Have them all prepare a preliminary quote based on your credit, income, and needs. Loans vary greatly and a 30 yr.

Check out the different products available and determine what works best for you. Then compare the total cost of the loans and choose the one that is best for you.

You can apply online with reputable mortgage companies no matter the amount of the loan. My local bank offers an apply online option as does the local National City Mortgage office here. Well you have a few options as to where to go to get a mortgage. You can contact your personal bank that you bank with to see what they can do for you in regards to a mortgage. Lastly, you can contact a mortgage broker and they will shop your loan with numerous banks to find the best rate for your situation.

There are pros and cons to each type of lender.

The links below contain information about buying your first home and mistakes to avoid when buying a home.