For mortgage qualification forms, mortgage calculations and to apply for a mortgage on-line, I recommend the following sites. Both Mike and Andy are experienced lenders -- they will always come through, occasionally performing minor miracles as needed. Tell them I sent you--I'll get a thank you but no referral fee.

http://www.suntrustmortgage.com/monufrychuk.asp (Mike Onufrychuk)

http://www.signaturemort.com (Carey Meushaw)

Other lenders that I've used and recommend (if you really like to shop around):
Bank of America -- Jay Siegfried 703-750-4034
Wachovia Mortgage Corp. -- Greg Williams 703-658-8106
Chase Mortgage -- Jim Galloway 703-642-5300 x205
Home First Mortgage Corp. -- Greg Kundinger 703-549-3400
Premier Mortgage Co., LLC -- Paul Rapchak 703-519-1280