First time buyer: where to go and what to ask?

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I am a first time buyer making $30K a year. Looking or house worth $140K-150K..credit excellent, no credit card debt,I've been paying rent for the past 4 years, no bankruptcy an no student loans tool, all paid off. I'm new to the home buying process. Where do I start off with - bank or company or any credit union? How to know which is better? Just know it's better to not go for an ARM..will there be ny problems getting loan worth $140-150K , I would certainly like the upper limit?


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(Source: mortgagefit.com)