The first step in purchasing in a home is a free mortgage preapproval.  The question is not how much you qualify for but how much you wish to spend to fit your personal budget.  Havinig a preapproval gives you an edge over other potential buyers and helps your Realtor know how to best help you.  Some types of mortgages require the home be good condition.  Save yourself time and stress with a free loan only takes a few free and help you have a positive experience in the home buying process.