In reality a buyer should consult with a bank or a mortgage broker to find out their FICO scores and their ability to purchase a home before they ever start the search for a home! When Lisa and I take out buyers they are all pre-qualified so that we know how much of a house they can buy. Nothing hurts more than looking at a home falling in love with it and then find out that the asking price is more than they are qualified to buy. Besides you really can't submit an offer without first being pre-approved. Most sellers want to see the letter with the offer. I can recommend a few Mortgage Brokers that regularly work with the agents in our office and their buyers

Joe Dziewulski Bay Equity

Helene Toal American Portfolio Mortgage

Joe Pietrini Wells Fargo Home Mortgage