New Home Purchase
By Jennifer Hershey
So the time has come for you to purchase a new home. Purchasing a new home is by far one of the largest financial transactions you will ever make in your life, so you will want to take your time and learn as much as you can about the mortgage industry.
The first question that comes to peoples minds when they begin their quest for a new home is "how much can I afford?"
Many factors play a role when it comes to determining how much you can afford. Such as your income, your current debt, down payment, the term of the loan, etc.
Once you have determined what your financial situation is you will want to begin your quest for a mortgage. But before you dive in and start filling out applications, make sure you shop around for the best possible deal. There are a lot of lenders out there that are hungry for your business. So let them compete for it.
Purchasing a home requires time, patience and education. But don't worry, you don't have to do all of the work yourself. There are people within the industry you will be working with such as Realtors and lenders that will help you through this process and point you in the right direction.
This doesn't mean to let them tell you every thing, it is very important to continue to educate yourself as much as possible and remain in the driver's seat at all times.
Keep in mind the majority of people in this industry are paid on commission, so getting you into that home is just as important to them as it is to you.
About The Author
Jennifer Hershey has more than twenty years of experience in the Mortgage Industry as a loan officer. She is the owner of http://www.explainingmortgages.com/, a mortgage resource site devoted to making mortgage terms and products easy to understand.
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