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originally posted by: Edumakated
a reply to: eroutt
I am a mortgage lender.
You definitely want to get your financing in order first. There are significant differences between conventional (Fannie / Freddie) and FHA. A good lender should be able to assess your situation thoroughly and lay out your options in detail. Getting a mortgage is way more complicated than many people realize. It isn't as simple as calling up Lendingtree and you get a mortgage.
Typically, your Realtor will have referrals of good local lenders. You should stay away from places like Quicken, LendingTree or the larger companies. Most of these places are nothing more than boiler rooms with glorified telemarketers posing as loan officers. Good loan officers are usually locally based and no successful loan officer is going to work at a place like Quicken et al. Loan officers build their business on referrals from past clients. Your realtor, co-workers, friends, and family are usually the best source for lender referrals.
Feel free to shoot me a PM if you have any detailed questions.