Keith Livingston is the BEST!! He and Stephanie Rudolph got me through every step of my home buying process with their patience, competence, professionalism, and simple kindness. I think if it had been anyone other than Keith I would never have bought my house. I trust his advice and his honesty gave me the confidence to get through it. He has a gift for clearly explaining things. The way someone talks to you about a subject that you're not familiar with really says a lot about them. Stephanie was equally down to earth and easy to work with. I had been really fearful of commitment and had been renting in DC for a long time. Now I have been in my house almost two months and I could not be happier, seriously! I recommend going to a local mortgage broker or loan officer as the FIRST step in your process (honestly just go to Keith) and talk to them about the loan options before you do anything online. They understand the market and they are personally familiar with your loan types and your state's rules.