Answers by Wes Brewer

These are referred to as "gift funds" - but it sounds like this is actually a loan from your parents. When you meet with a loan officer they will ask what loans you have out, and the lender will take into account the loans you already have (e.g. a car loan), this will factor in to how much a lender can get you approved for. If your parents are going to gift you the money, you want to put that into your bank account 3 months prior to buying a house, or you may need a letter from your parents stating that you are not required to pay it back - so the lender can allow you to use this money.

I recommend interviewing a few and see what one feels right to you. Eventually you will want captain of the ship to get you from a to z. The captain also needs to know and deserves the respect to know that you are counting on them.