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Knowing how much you can qualify for, and that you can qualify is really the first step in the home buying process. There are several different types of loans, conventional loans, FHA Loans, Utah housing loans, or even hard money loans. Different lenders offer different products and there might be a certain product that is better for your needs. Most lenders are good and honest, but as we know from the current financial crisis, all are not. It is a good idea to get mortgage quotes from atleast two different lenders. It is also recommended to talk to someone local. Someone you can visit with face to face who is committed to treat you right. If you would like a free mortgage quote, and would like to see if and how much you can qualify, Lending Tree will give you estimates from some of the top lenders in the country.