<prompt> Human: Does anyone have some good recommendations on a mortgage broker, or even a reputable lender. My credit score is 780 -, have minimal debt 500 credit card balance, make 40k a year and down payment wont be an issue. Also, what are some recommendations that you might have for a first time buyer besides getting pre-approved for a loan before looking? What are the expected interest rates? Im looking to get away from paying someone elses mortgage through renting, and begin building equity into my own home.  <response>: down payment wont be an issueWell, if its not a problem, then why not put 100 down, then you can afford whatever house you want. Im only kind of joking.Before anything, look at houses in your target neighborhood and see how much they cost, then come to us with what you can afford for a down payment and how much room you have in your budget for monthly payments. Theres not much point in getting pre approved unless you know what you can afford. Dont trust a lender to tell you what you can afford, you need to do the math. 