I think a lot of potential buyers put off starting the process of qualifying 4 a loan because they r nervous. Embarrassed by their finances. I'd like them 2 know it's kind of like going 2 a Dr. 4 your physical. Dr.'s have seen it all. So have Real Estate loan officers. Nothing surprises them. Buyers can even get qualified on line with a lender of their choice but I highly recommend contacting a lender in the community u live in. These lenders work closely with the Realtors & Appraisers. The process is much easier. When u r working with lenders u find on the Internet, they have no reason 2 work with your Realtor & keep them informed. When u make your call 2 the bank of your choice, just ask 2 visit with a Real Estate loan officer. If u get voice mail, leave a message 4 them to call u. When u r able 2 visit with them, tell them u would like an apt. 2 get per-qualified 4 a real estate loan. Ask what u should bring with u. The lender will ask 4 the last few years of your taxes, pay stubs & info on checking accts., savings, etc. Don't b embarrassed if u don't have any savings. Trust me. U r not the Lone Ranger. Sometimes even people u think have money, don't. If u r a Veteran, tell the lender. U will need your certificate u received upon being discharged. The lender will want 2 know if u r in a probationary period with your job. If u feel u have some credit issues, be up front with the lender. There r so many types of loans now, the lender will find one that works for u. If the lender feels u don't qualify for one at this time, ask what you need 2 do to help u qualify. Do Not make any major purchases after you are qualified. I have seen buyers get pre qualified, go out and purchase a car and then Goodbye house. When u walk out of there, u will know what home price u should b looking 4. Then pre-qual letter in hand, Come c me. We r going House Hunting!!!! Yehhhhhh!!!!