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First Time Home Buyers

For the first timer, the concept of wading into the world of real estate ownership, mortgage financing and maintaining a property could seem very daunting. But it is not as bad as it might seem; in fact, it can be very rewarding, and not as foreboding as it might first appear. If you are a first time buyer, or even a seasoned buyer, you will want to research several things:
1.dentify what you want and need in a house
2.Consult a mortgage lender and get pre approved.
3.Calculate what you can afford to pay for a house and what you can spend on a day to day basis

The NUDIG's Homebuying Step By Step will help guide you through the entire process.

The Biggest Issue
Without a doubt, the most intimidating parts of buying a home is finding a lender and getting a mortgage. A mortgage is normally the biggest debt you will have in your lifetime. With good credit, you will have little to worry about.
Be sure to be pre-approved for a mortgage before you start your search for a new home! This allows you to set your budget. If you wait until after you've found the house of your dreams to find out how big a mortgage you could qualify for, you could easily be disappointed.
Use the NUDIGS Mortgage Calculator and identify your payments in advance. This will allow you to know what you can safely afford to spend each month, the household income that you will require and the size of mortgage you can afford. Even if you qualify for a larger mortgage, you may not want to behouse poor. It is best to allow yourself some financial breathing room by keeping your mortgage payments manageable, rather than overloading yourself with the biggest house you can afford.
Keep in mind that interest rates rise and fall, depending on the economy and the state of the market, so it's best to plan for a worst-case scenario. If you buy a house that you can easily manage, you should have nothing to worry about in the future.

Tips for the First Time Home Buyer
1. Get pre-approved for your budget
2.Prepare a Budget
3.Follow the Home Buying Step by Step checklist

Current Mortgage Rates
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