It is very important that you connect with someone knowledgeable in the Home Lending field before you begin your home search.  A good Loan Officer can offer you a customized package geared to your particular needs be it buying with little or no down payment....qualifying beyond the obvious....overcoming less than perfect credit....obtaining interest only loans....finding home improvement money....FHA and VA loans, etc.  As it turns out, what you qualify for from an income standpoint and what you can afford are not always related. Your Loan Officer can show you many lending opportunities  that can increase your loan buying options.

David Richards (713) 213-3900  David@HomeLendingOfTexas.com -  http://www.homelendingoftexas.com/