Thanks for the great advice! I've been shopping lenders since a loan is just a commodity. I'm learning that new build communities like Centex, Pulte, etc. have preferred lenders they want you to use instead of Wells Fargo or a local credit union. I think it's lame you can't lock in an interest rate until the very minute you purchase a home... Right now I've seen rates around the same level of 3.75%. I vetted out other friends and the realtor they used first before deciding to use a friend's dad of mine. I didn't want a realtor who is banking on my sale to eat... He's established, knows the market, and takes the time to teach me what I should be looking for in new builds. I'm purchasing the house on my own with the intention of having my girlfriend move in eventually. This is going to be a starter home ideally under 2k sq. ft. and when kids come into play, I'd sell this for a bigger place down the road. I've got a lot more to learn about escrow, inspections, and expected insurance payments.