If there is a large problem with the home that needs to be prepared, or if something goes wrong in the process of the loan, you will have to start over again.
Each locality will have different programs, most which are easy to qualify for.
So, if you have a lot of friends living in a particular area in Green Valley, then Green Valley real estate in that area might become your preference and hence increase your motivation level.
It may also be determined by the amount of the down payment that you make and specific rules that are set to the loan.