The first step in purchasing a home is talking with an experienced, professional Mortgage Consultant.  A Mortgage Consultant will explain in detail the different type of loans available and give you an idea of the loan amount and monthly payment you qualify for.  With this "pre-qualification" you can go home shopping with confidence.  If you currently don't have a lender working for you, we strongly recommend you contact Tami Meeks of Premier Mortgage Capital (formerly Santa Cruz Mortgage) in Redding.  Call Tami today and schedule your free, no obligation phone consultation.  Tami can be reached @ (530) 226-3375.  Her office is located at 3400 Bechelli Lane, suite G, in Redding.