Banks, loan officers, mortgage bankers, are the key to getting a loan for your new home. They will help you figure out how much you can afford, how much of a loan you can obtain, and help you figure out how much payment you are comfortable with. They can take in to account your current loans, the current interest rate, any special circumstances you may have, and help you come up with a plan.
Here is a list of some loan officers in no particular order:
LeaderOne Financial Corporation
NMLS # 331982
Wintrust Mortgage Corporation