Do you know the maximum loan amount you can qualify for?  Have you heard of different loan programs that can get you the same low monthly payment but with a higher loan amount?  No money down?  There's a loan package for everyone, you will be surprised! 

These lenders are referrals only. I would be more than happy to work with any lender you choose for your mortgage needs. Please consider their mortgage efforts for you independent from my professional relationship as your Realtor.