This is it, you’ve decided to stop renting and purchase a home.  It’s exciting, and it’s scary all at once.  Big steps, big numbers, mind numbing forms, stacks of contract papers, and still, in the end you have embraced your dream of owning your very first home!

First Steps

Look at what you are paying for rent, determine how much more or less you would be comfortable with for a mortgage payment.  Get that figure firmly in your mind.  Think about it carefully.  Write it down.

Now, hit the yellow pages book or go on-line and look up mortgage lenders.  Interview several.  Talk, ask questions, and if you are not happy with the answers try the next in line.  If none of them give you answers that make you happy, look at your circumstances again and make…

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