First Time Mortgage Tip 

You’re a young person buying your first home and you’re amazed at what your lender says you can qualify for.  You look at the monthly payments and think, “No way.”  You are right and your lender is wrong.  Figure the amount of monthly payment you are willing to live with and ask your lender what price home you can buy with that.  You don’t want to be “house poor.”  You want the purchase of your first home to be cause for celebration.  That means having enough cash flow to live well after making your mortgage payment.

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