Its been years but I worked with Rosemary Ellis at Suntrust. her # is 202 624-1273. I used Housing Counseling Services as well and it was quite helpful. The best piece of advice I can give you is to tell you that only YOU can decide whats afordable, don’t let a lender tell you that you can afford more. I couldn’t believe what some lenders were willing to loan me when I only made $54k/year. Good Luck!