I noticed today that you referenced "mortgage questions" on another post. In California, where I live, to purchase a home one typically obtains a real estate agent. The first thing the agent does is to get you prequalified for a loan by introducing you to a mortgage broker. there is no charge to get prequalified. A typical broker will deal with 30 or more lenders and have a loan for everyone. It's the terms that vary. The agent and broker make their money when you buy a house and the escrow closes. having said this, I do not know if PA. is one of the few states where real estate transactions are done thru an attorney. If an attorney is required, I am am not knowledgeable to comment further. Buying properties was a breeze for the most part for me. Good luck