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I want to buy a house, how do I do it?
Okay, never bought a house before, I've only rented apartments. But I am fed up with the renters life! My lease is up this August! I want to get a house in two months what are the necessary steps in order that I should take to get there? Do I look around first, do I get pre-qualified first? talk to a mortgage company first , what? I already used an online mortgage calc. it told me my price range, thats about as far as I've gotten... BTW- are those online adds for getting instantly qualified a bunch of bull, or is it legit?

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Are those online mortgage calculators accurate?
I am so ready to move out of my rental, and according to most of the online mortgage calculators I would qualify for a loan. How much difference does your credit score make? I have been making all payments on time for over 6 months and there are a few black marks set to come off my credit report in August. Also, how are student loans viewed, as I have some student loan debt? I just checked out an online debt-to-income calculator and it says I have a 19%. This I know is correct as the figures are very straight-forward. This is a good sign, right? Also, I have made an appointment with my bank's mortgage originator for tomorrow afternoon. I'm just very nervous about what I'll learn there and I'm hoping for some reassurance. So thanks!

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Where is the best place to find a mortgage broker or are there better options?
Should I use a bank, an online mortgage company, or a mortgage broker? What are the pros and cons of each and please make specific reccomendations?

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