Hi Grumpy Realtor,
This may sound like a stupid question, but is it always necessary to talk to a bank before looking at houses? Bankers make me nervous.
Jittery Buyer

Dear Jitter Bug,
If bankers make you nervous, you are absolutely going to hate the home buying process and should probably stick to renting. Talking to the fat cats is step number one in the process. How else will you be able to determine the size of your loan, or what sort of assistance programs you may be qualify for? The big scary mortgage man has a lot of tips and tricks that you can use to your advantage. Go. Today. Unless you happen to have a cool million stuffed in your mattress, then who needs a loan? Well, I do. Otherwise, suck it up and go get a professional to pave the way for you. And remember: There are no stupid questions, just stupid people.