If you are in the situation where you expect increased income, you can also consider a balloon, which will have you pay a large amount during the closing of your home.
With a line of credit, you can borrow what you need at certain times or leave parts of the loan in the bank.
By looking into Internet sources or by asking other people, you can start out to find the right person and to eliminate some potential problems with realtors who aren't looking out for your best interests.
If you are in the situation where you expect increased income, you can also consider a balloon, which will have you pay a large amount during the closing of your home.