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SpinDistribute.com Article Directory

The following article was published in our article directory on December 3, 2013.
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Tips on Mortgage and Buying a Home

Article Category: Real Estate

Author Name: Dan Rawitch

Owning a home for you and your family is one of the life-long dreams and achievements that most people have. Your own home can be a symbol of how hard you worked for it and how much patience you have in order to obtain it. Even just the thought of buying or building your own home can be very thrilling for you but it isn't that simple or even easy to get through. Here are some tips for you when you want to buy a home:

• Before you buy a home, you need make up your mind about staying for good.
- Houses cost a lot of money; you do not need to have a high IQ to figure that out. If you are planning to buy a home but you do not think that you will be living there for good, then you might want to consider renting one instead. You might lose more money in the long run if you were to sell your home after just a short while. House prices are unpredictable nowadays and you may lose money if you are not careful.

• Keep your credit clean.
- Before you can buy a home, lenders will look for and inspect carefully is your credit history. They will assess if you are able to keep up with your expenses or if you have good savings. Having a good credit history will greatly increase your chances of being qualified for a mortgage.

• If you can't afford the usual 20% down payment rate, you can still be qualified for some loans.
- Odds are that there is more than one lender in your neighborhood. There are surely a number of different public and private lenders that may be willing to negotiate with you and offer mortgages with low interest rates for you to be able to buy a home.
• Carefully think about choosing between mortgage points and rates.
- Lenders will usually give you the option to pay additional points for the mortgage in exchange for a much lower interest rate. If you can spend more on the additional points then do so. This will save even more money for you in the long run when you buy a home.
• Employ a professional home inspector.
- Mortgage lenders will need a home appraisal before you buy a home. You should also hire a home inspector to inspect the house. An knowledgeable inspector would be able to point out possible problems that can arise in the future leading to costly repairs. Knowing about the apparent flaws of the house can be used to get the asking price down, and it will also give you an indication of how much more of your money you will be spending on the house. This is especially useful for cheap houses as they may contain numerous problems and maintenance issues.

With these tips in mind, you will be able to buy a home without running into too much trouble. It never hurts to be prepared for big decisions for you and your family's present and future lives.

Keywords: Buy a home, first time homebuyer,mortgage,mortgages,learn about mortgages,mortgage rates,Los Angeles mortgage rates,Facts about mortgages,qualify for a mortgage,do I qualify for a mortgage,how to get a home loan,home loans

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