You can discuss this with your Realtor. Secure a preapproval letter. Do not confuse this with prequalification. Prequalified buyers typically talk to a lender on the telephone but the information provided is not verified. In contrast, being preapproved demonstrates to the seller that you can afford to finance the home.
Most lenders provide preapproval for little or no charge.
Avoid paying points. Each point equals one percent of the loan value and is paid at the time of the closing. Understand the asking price. In a seller's market, the asking price is often the minimum bid and sellers may receive multiple offers. In a buyer's market, homes usually sell for less than the asking price.