Maybe this is a really dumb question (I work in a bank, for goodness, sake, but can't get a decent answer there!), but since my husband and I are in that stage of thinking about buying a home, we're trying to figure out the proper steps.
1) Talk to bank.
2) Talk to real estate agent.
We've done neither, because I've been told that I would probably need a pre-qualification first. What exactly IS a pre-qualification (for a FHA loan), are you guaranteed those limits if you find a house that you like, and what should we expect to bring in order to get it? We're pretty concerned, and my bank has been no help at all in clearing this up for me (small bank, doesn't do FHA loans, and apparently takes offense when employees want a mortgage with a lower rate than they are currently offering, which I've heard is high for our area).