Most people take the first offer they are shown. A licensed loan officer walks you through the programs you can actually use. You hear what each one costs before you put an offer on anything.
Your answers go to someone licensed to lend in your state, with your numbers already in front of them.
They call to go through what you sent and answer whatever you want to ask. You do not need anything ready for that call.
Nothing here pulls your credit and nothing commits you. If buying does not make sense for you yet, a good loan officer will say so.
Lenders are not all the same. They run different programs and they are good at different things. The lender that fits your neighbor may not be the one that fits you.
So we hand what you told us to a licensed loan officer. One who works with people in your situation, in your state. When the phone rings, they already know why they are calling. We are not the lender ourselves and we never set your rate, we just make the introduction.
Six questions. A licensed loan officer calls you with the programs that fit.