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The Ultimate First Time Homebuyer Guide
Everything you need to know before, during, and after the mortgage process, in plain English. Free download.
What's Inside
Section 1: Am I Ready to Buy?
- ›Are you better off buying than renting?
- ›Do you understand the true cost of homeownership?
- ›Are you financially stable?
- ›How does your credit score affect your ability to buy?
Section 2: What Do I Need to Know Before I Apply?
- ›How much home can I comfortably afford?
- ›How to determine your down payment (0%, 3.5%, 5%, 10%, 20% options)
- ›Fixed rate vs adjustable rate mortgages explained
- ›PMI and mortgage insurance explained simply
Section 3: What Do I Need to Do Before I Start Shopping?
- ›What documents you'll need to apply
- ›How to choose the right lender (and why a broker beats a bank)
- ›Pre-qualification vs pre-approval: what's the difference?
Section 4: Finding a Home and Making an Offer
- ›How to find the right real estate agent
- ›How to negotiate and make a fair offer
- ›What to look for in a home inspection
Section 5: After Your Offer Is Accepted
- ›How to complete your loan application
- ›Should you lock in your interest rate?
- ›What happens between application and closing?
- ›Closing day: what to expect
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