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Home Financing Mystery Unraveled for Buyers -
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When I get that phone call from the office receptionist to say "Your clients are here for their appointment," it always makes me smile.  In the next 30 minutes, I'm going to witness a really special time in the lives of these strangers as they go from nervous and hesitant about buying a home to relaxed, excited, and totally engaged in the process of buying a Crofton home.  I can't wait to meet them and get started!
 
But the excitement sometimes disappears for a moment when I mention getting a loan pre-approval because most first-time buyers have no idea what to expect when they meet with a lender - they're very concerned about their credit history, the adequacy of their savings for a down payment, and whether they earn enough to qualify for a home loan. 
Unravelling the mystery of home financing is an essential element of educating my clients about the home-buying process, so I took the time several years ago to create a handout that addresses this topic:
 
THE SEVEN-STEP HOME FINANCING ... more

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