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Home Mortgage

from: Tony

For months now, you have been looking at houses and home brochures and

you have finally found it - the house that's just right. So now, you're feeling

anxious to buy your new home, move in, and get settled. But this is not where

your search ends. You still have one more important task to do and that is

getting a home mortgage.

Contrary to popular belief, getting a home mortgage is quite simple. All

you need in order to make the right decision is to who where to look, what to

look for, and what takes place when you apply for a home mortgage. Knowing what

to expect, especially if you are a first-time homebuyer, may make it easier for

you to get through the process.

Where to Shop

Some people may think that once they have found the house of their

choice, their shopping days are over. Actually, choosing the house is only the

first phase of the whole process. The next step is to find a home mortgage with

payment terms that fit your budget. Thus, where you shop and what to look for

are very important in this stage of home buying.

The first logical place you might want to look for home mortgages is at

the bank where you have your checking or savings account. However, this

shouldn't be the only place you ought to look. There is a wide variety of

lending institutions that offer home mortgage loans, including savings and loan

associations, commercial banks, mutual savings banks, and mortgage companies.

The lesson therefore is never limit yourself to just one option when you can

have several.

Home mortgages may vary in features depending on the lending

institution. One way to find the creditor with the most attractively priced

loan is to look in your local newspaper and check to see if it publishes a

shoppers' guide to home mortgage credit. These shoppers' guides are widely

available and may be used to identify the lenders with low rates. However,

basically, the way to find the best loan is to shop around.

What to Look For

When shopping for home mortgage loans, you should have a basic idea on

what to look for in a loan. Keep in mind a few things that would serve as your

eligibility criteria for a home mortgage. For example, what types of loans are

available from a given institution? Does the lender make privately or federally

insured or guaranteed loans? Some mortgage loans may be backed by a federal

agency, such as the Federal Housing Administration (FHA loans) or the

Department of Veterans Affairs (VA loans). Loans that aren't insured by the

government are called conventional mortgages. The government-insured loans may

be more attractive in terms of low down payment requirements but they may be

more restrictive.

Tony Forster has a keen interest in living debt free having been "up to his ears" before realizing the need to take control. He has compiled an online financial article resource at