You look at more than one house, you should talk to more than one lender to find someone compatible to work with for your loan. These are some local mortgage experts who have worked with my clients in the past. Although they can all provide you with information, it may not be the same information because they all work with different lenders and loan programs. Be sure to try and connect with someone you can communicate with easily, and is available for you when you need them the most. Although banks and credit unions have limited hours they may have special loan programs with benefits you can take advantage of -  do not forget to check them out as well. Only a soft-pull of your credit is required in order to discuss your options. You are expected to shop around for a loan when preparing to buy property. Nobody should put you in jeopardy of not obtaining a mortgage just by checking your credit history.