Mortgage Loan officer acts base on your qualification.
Around Maryland, median house price is $ 450,000
To qualify that amount,
you must have 750+ credit score ( 2 person at least have that score)
Two person or three persons combine income on W2s must show at least $ 70K
Closing cost cash on your hand $ 14500
Down payment 3% for conventional loan cash on your hand, $15,000
Your bank account must show you have those two amounts, $14500+$15000=$29,000..almost 30K
Then your loan officer will kiss your a$$.