Ok so I checked my mortgage scores so should my next move be to go to a loan officer for pre approval? Will the loan officer find these programs like sonyma fha or other? My wife hasn't checked her scores yet I was thinking since they will run credit I shoould just get it done wherever I need to go for preapproval? Basically do I need to go to loan officer first then go to one of these first time buyers programs? Which is best to do put both of our names on the mortgage loan or just the person with the highest scores? Will both incomes be counted if one person is on the loan?
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