Question: What is it that totally destroys the inhabitants of a dwelling while leaving the structure intact?

Answer: The wrong mortgage!

The largest investment the average consumer can make is the purchase of a house. No decision—or series of decisions—will impact the quality of life more directly and profoundly. Despite the importance of these critical decisions, however, far too many consumers approach this major life event with little or no preparation.

Presented in the following pages is a set of purchasing guidelines developed by an ex-mortgage officer. These guidelines will demystify the process of buying your first house and help you avoid numerous pitfalls along the way.

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