Buying a home has never been an easy task, but there are ways to make it easier. Home values continue to increase faster than the cost of living. Unfortunately, we sometime see would-be buyers who have searched for months to find their "dream home", only to find out that they could not qualify for a loan allowing them to afford the house. They good new is that this kind of heartache can easily be avoided simply by doing a bit of arithmetic and talking to your Realtor or Lender before you start hunting for a new home. If you know how much the bank will lend you prior to your house hunting, you wont waste time looking at a house that you may not be able to afford. At our office, we are familiar with all of the lending institutions in the area. We can recommend a mortgage officer for you to visit who will give you an estimate of the amount and type of mortgage best suited to your needs. Taking this approach, you'll have something solid to work with, which will enable you to look for a home that you can comfortably afford.