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And that means interviewing lenders. I get that the learning curve is high buying your first house, so I'm trying to ask as many relevant questions as possible before I decide to apply with anyone. Please let me know what I am missing! Thank you! What kind of mortgage products do you offer? Do I have to decide which one I want when I seek prequalification? I have cash savings, but I anticipate needing some of that money for closing costs and moving expenses. Do you have down payment assistance programs? Downpayment minimums? If I do apply, how long will my prequalification last? Will you pull my credit again before closing? What do I need to apply? What fees are associated with your loans? Origination fee? Funding fee? What upfront costs should I be prepared for at closing? Escrow for taxes? Prepay homeowner’s insurance? Are there any penalties or negative amortization? At what point will I receive a Loan Estimate? Will you be servicing the loan or are you likely to sell it off?