Just a point for you "First Time Home Buyers" regarding a lender. I would interview a few before moving forward with one. Mortgage Brokers vary SIGNIFICANTLY!! Quiz a few on the First Time Home Buyer programs that they offer...How Fast Their Turn Around Time Would Be...As a full time real estate investor, I'm glad to have finally located a broker that actually performs. I've found that 9 times out of 10, they'll tell you EVERYTHING THAT YOU WANT TO HEAR and then hold up a closing. There are some super excellent mortgage brokers out there, you just have to find them. So, if you are denied by one, don't think that it means you can't buy a house.
Subscribers to a blog seems kind of nuts to me. I always follow the model of: Give away your best info for free - sell them on a physical product later.