consuming, but it’s a necessary component of the overall home- buying process, because you need to ensure you not only search for a home loan, but that you find a great deal — and lock it in at the right time — that will be affordable and reasonable for you and your situation. Make sure you follow the above steps. Remember that mortgage loan rates can change, sometimes quickly, so it’s important to know when to lock in a great rate. Consult your agent for help along the way; they are an invaluable resource when it comes to home loan shopping.
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