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DO YOU NEED A HOME MORTGAGE? If so, these words are for you.
Getting a home mortgage need not be an ordeal. Unfortunately, it can be if not done right. Following the steps presented here will increase the chance that your search for a mortgage will not be unpleasant and you will get the mortgage. Plus, by following these steps you are more apt to not overpay for your mortgage and in the end buy a home that you can truly afford and enjoy.
1. Determine how much you really can afford to spend for a home.
2. Search homebuyer government programs and grants.
3. Pursue gifts.
4. Verify and improve your credit reports.
5. Shop lenders.
6. Make sure you have an emergency fund.
7. Get pre-approved not just pre-qualified.
8. Pay attention to and abide by the conditions stipulated in your Mortgage Pre-Approval Letter.
DETERMINE HOW MUCH YOU REALLY CAN AFFORD TO SPEND FOR A HOME.
Once you own your home you will experience other housing costs besides your mortgage payment, taxes and insurance. You may have homeowner (HOA) and/or condominium (CONDO) fees and assessment payments to make. For sure, you will incur maintenance, repair and utility costs that most likely will differ from what you paid as a tenant. And if your down payment is less than 20 percent, depending on ... more

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