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Buyer's Guide to Survival Part 1: Things to help you understand the home buying process
I work with a lot of first time home buyers that I educate to understand what they need to do in order to purchase a home.  I figure there are quite a few people out there that are sitting on the fence as they don't really quite know where to start, what kind of money they need to save, and what it takes to get to the point of fully owning a home.  I have put together a guide for the basic things you need to know in order to begin your home buying journey, and some basic home buying etiquette:
 
1) GET PRE-QUALIFIED:

Speaking with a lender is paramount if you're considering buying a home.  There are hundreds of loan programs out there for you to choose from, and it is the lender's job to show you the best options for your budget and income.  It is extremely important to know 1) IF you can qualify for a home (you may have credit issues that need to be addressed, etc.) and 2) HOW MUCH home you can afford.  You can't begin looking at property just assuming what your price range is going to be.  A mortgage payment is ... more

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