Wow, I posted this back in May? Man, I'm lazy.
Finally started hitting the pavement and looked at some houses. Navy Federal has pre-approved me for 250k, and they did it without a credit pull because I have a few accounts with them already. They just needed my income and debt info, making it essentially a pre-qualification letter, save for the fact that they used the term "pre-approved" on it.
I did wind up going with Peter Pacifico, and so far so good. I'll echo the recommendation for anyone looking to buy/sell/rent/whatever in the area.
Checked out four houses, then spoke to someone at KB Homes about a new construction. The first houses all hovered around 190k, and the new construction would be closer to the top of my budget, option dependent. Considering that new construction has almost no wiggle room in the price (although they can throw in some options or upgrades presumably), and the houses have been on the market for at least a month, the price gulf is pretty wide. But it'd be a new home that I get to pick all the options on. Plus KB will throw me 7,500 towards closing costs, even if I decide to go with Navy Fed.
I guess I have a lot of things to ponder.
Oh, and I did all that in a rental Dart because supposedly my truck's battery inexplicably died. RIP August 2011-October 2015. But I digress.