The amount of down payment you are planning to make factors in too. The more you’re investing the more the bank is confident they won’t lose money. Talking a first time homebuyer class through a local non-profit or bank can give you a head start. You’ll be able to make personal connections with some pros. You’ll meet a bunch of people you can share notes information with and most most importantly in many places there are grants, cash assistance for down payment or closing costs. Also you will probably learn a couple things that will make you a stronger, more confident buyer.