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Financing Your Home


If you're buying a home, obtaining financing is a critical step in the process. Once you have the seller's acceptance of your offer, you'll need to decide what type of financing to obtain.

Certain key lenders are primary sources for mortgage money. They include savings and loan associations, mortgage bankers and commercial banks. Some real estate firms have in-house mortgage companies, which may simplify the financing process.

When you apply for the loan, your lender will ask questions about your income, assets, debts/liabilities and employment history. You will need to supply account numbers for any assets and loans, as well as employer's names and addresses.

Be prepared to ask the lender questions, too. Find out about different types of mortgages available, whether mortgage insurance is required and what types of fees will be charged at closing.

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