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be well prepared to get that home
Savvy Shopping-8 Things to Know When Buying a Home  
Spring is here, and along with the buds and flowers comes a new crop of home buyers-Are you one of them? If so, you want to be well prepared to get that home you have always wanted.
 
Mortgage Matters "Pre-qualified" sure sounds good, but in fact, it doesn't ensure that homeowners or realtors will consider your offer. Getting "pre-approved" for a bank loan will signal to an informed seller that your offer is within your means and should be given serious consideration which can tip things in your favor in a tight housing market. Pre-approval is more difficult now than in the past, so, beginning the process early allows you to be prepared to make an offer that will be considered seriously when you find your dream property.
When signing mortgage papers, get any help needed to understand what you are agreeing to, including all of the terms, closing costs, and fees. Take the time to understand the difference between the various types of mortgages including fixed rates, adjustable rates and balloon payments as well as the benefits and costs of different loan terms such as 15 and 30 year ... more

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