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Are you considering purchasing a new home? Do not do anything until you learn more about your options.If you are in the market for a new home or a mortgage refinance, do not do anything until you understand a bit more about how creditors operate and the home buying process.There are several things to consider when looking for your home loan, and a number of them may not be what you want to hear.• Not All Lenders Have Your Very Best Interest in MindAll creditors will make one thing quite clear to you -- they want to make your house loan purchase fast and easy...

When you're waiting for your offer to be approved, countered or rejected, time appears to move in slow motion.If you did not specify a time limit in your deal, you might be waiting some time.Even if you did, the vendor has the opportunity to amend the time period by countering your offer.Sellers will often do this to keep you on the hook to say and get a bit more time.They know you won't take the counter-offer, but they're hoping you will counter back...

When you buy a house, you want the best possible cost.This often requires a little negotiating on your part.Many buyers dread negotiating when purchasing a house.Money is an emotional topic.But bear in mind, this transaction is not all about money.It is about making the vendor feel like he or she's receiving the best end of the deal.Start by not placing a ridiculously low first offer.This will not get you off to a fantastic first impression...

You need to be ready to get a home before you start looking, especially if you're purchasing in a place that's a seller's market.Regardless of the talk of a downturn in real estate, there are regions of the country which are becoming or stay a seller's market.If you're looking to buy in one of these areas, you want to be prepared to buy at any moment.In a seller's market, there are more buyers than there are houses for sale...

The choice of a realtor that's a local expert is a necessity to ensure effective representation throughout your property transaction.But what's a local expert?A local expert isn't an agent who's licensed to work in a specific area.Most states license their property agents to do business anywhere in the nation.Therefore, concluding that a realtor is a local expert depending on the occurrence of a permit in the state where the property is situated is a mistake...