Today’s market is crazy, right? So, make sure you are prepared. Contact your local lender. Someone you are comfortable with and have an established relationship already. Online lenders have come a long way and tend to be super convenient. So do what fits you best. Just have a pre-qualification letter ready before you start looking at homes. Not only do you need to be sure you are able to purchase a home now but how much you can afford and what type of loan. All play a huge factor in this wonderful home buying experience. Make sure you call an experienced Real Estate Agent. (I can hook you up with one in the business for 21 years. wink wink.) There are so many variables that are involved. Certain loans require certain things for the appraisal. Things that can possibly be remedied, just better to nip it up front. One that can explain the lending options with each loan. Breakdown monthly payments and can give an estimate of closing costs. Also, one that can explain the rights you have as a buyer. Fully cover a sales agreement when you make an offer. An agent that will be competitive and offer inventive ways to be help your offer be accepted in this multiple offer time.