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Your Guide to Homeownership
The process of buying a home or investment generally starts with determining your buying power; that is, your financial reserves plus your borrowing capacity. If you give a real estate agent some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders — banks and mortgage companies — offer limited choices.
Once you know how much you can and want to invest, the next steps are to:
1) Choose a property
2) Negotiate
3) Due diligence
4) Obtain financing
5) Closing or settlement.

9 House Hunting Tips
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