While financing has become a little more difficult in recent months, there is still good programs for buyers. The most common mistake I see buyers make when getting financing for their new home, is going with the first mortgage company that tells them they are approved! People will shop for a home and bargain on the price but never bargain shop for their mortgage! Believe me, if one company approves you, others will also and you should shop several companies to see who has the best deal for you. Shopping for a mortgage will NOT harm you credit score, the credit reporting agencies will recognize you are shopping around and it will not appear on your credit report as more than one "hit". And there is money to be made in finding the best mortgage for your particular circumstances. You will not find much difference in interest rates, but a eighth or quarter point will mean a lot over the life of the loan. And much of the "closing cost" are actually profit for the lender and can amount to thousands of dollars. Ask each potential lender for a  written "Good Faith Estimate", giving each one the same parameters so you can compare "apples to apples". Some lenders will fudge some on this but not much since it is goverment regulated and required. It is better than nothing and your agent should be familar enough to recognize any fudging. So compare not only the interest rate, but the terms and the "fees" for each loan.