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Tax-Free shopping By: Helen: Tax-Free shopping In Western Europe at doors of many shops is possible to see a badge "tax-free for tourists". It m... from Holland you receive 10 % from cost of the goods, and in shop - 17 %. The procedure is known enough and spread. The... Shopping for a Mortgage, Avoid Three Common Mistakes By: Jay Conners: Shopping for a Mortgage, Avoid Three Common Mistakes Buying a home or refinancing one is perhaps the largest financial... with four different loan officers, I can assure you, you will get four different rates, obviously you want to go with t... The Truth About Shopping for Mortgage Rates By: Sharon Hassler: With so much lender advertising focusing just on rates, you may not be aware of the importance in choosing an experien... week's rates from a third. It's like comparing apples to oranges to pears, and the clients will never know what they're... Online shopping – an emotional experience By: Steve Hawker: This short essay explores the history of online shopping from the author’s perspective. The essay concludes with a li... as possible like offline shopping, many virtual shops were designed on a computer world somewhere beyond Mars, or so it... Mr. Cheapie's Frugal Shopping Tips By: David Leonhardt: Hello. Mr. Cheapie here again with three more fantastic I-can't-believe-I-didn't-think-of-that frugal shopping tips. ... TVs in this section. Most people leave their cardboard TVs behind when they pick up their wall units, so you can get y... Shopping for A Mortgage? Do Your Homework First Jay ConnersIf you happen to be shopping around for a mortgage, it is very important that you first take the necessary time to do your homework. When I say homework, I am talking about research. There are so many loan programs out there that it is easy to get lost in all of the mortgage jargon that people in the industry love to use on you. Not to mention of all of the paperwork. By the time you get to the table, you will have a mound of paperwork approximately six inches high filled with words and terms that most people in the business don’t even understand. The mortgage industry is filled with all kinds of pitfalls that you can find yourself sitting in. This is why taking your time and doing research is key to purchasing a home. Research can literally save you thousands of dollars in closing costs and interest charges. So don’t rush into it! For starters you will want to contact a realtor and a lender. When choosing a realtor, ask a family member or friends to refer one to you, one they know well and can be trusted. Or better yet, one they have used personally. There are many ways to choose a lender, but for starters, here are just a few ideas to get you started. The traditional way would be to walk into your neighborhood bank and speak with a loan officer. If you don’t like that idea, you might consider filling out an on-line application, and let the lenders choose you. Or you could contact a broker. A broker will evaluate your situation for you, and then shop around for a lender with the best program or rate, or both. Remember, just because you have a realtor and a loan officer doesn’t mean you should stop doing your research. At this point in the game, you should be doing even more research. This way you will have an understanding as to what your realtor and loan officer are talking about when they start speaking their language. You will also want to find out what your credit score is. Most likely your loan officer will do this for you. Your credit history plays a large role in the loan approval process, and it will also affect your interest rate. If you already know that your credit is a little bit challenged, than you might want to start out using a broker. Most brokers work with about two hundred lenders, so they would be your best bet as far as finding a bank that deals with challenged credit. When you are purchasing a home, you will hear things such as debt to income, appraisal, and loan to value. I’m sure you may have heard these terms in the past, but do you know what they mean, I mean, do you really know what they mean? Inside and out. I cannot stress enough the importance of doing research before buying a home. It is such a vital component when it comes to saving money. Use the internet, use the library, and most of all, use your realtor and loan officer. Ask them as many questions as you possibly can, learn from them, after all, you are paying them! Your home will most likely be the largest financial transaction you will ever make, so when you come to making your decision, make sure it is an educated one. Good luck! This article may be reproduced by anyone at any time, as long as the authors name and reference links are kept in tact and active. About the Author Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of http://www.jconners.com, a mortgage resource site, he is also the owner of http://www.callprospect.com, a mortgage lead company. Check below for additional Office Electronics Links and Information Learn Microsoft Office Learn Microsoft Office at home for a fraction of what you would pay in a classroom or at a bookstore! Office Cleaning Business $54,000 PART-TIME! cleaning officesearn 60% The Complete Virtual Office Guide Learn how to run your office from anywhere in the world via a laptop * AFFILIATES EARN 60% Brookstone.com : Home Office by Brookstone offers a wide range of Home and Office Electronics and Home Accessories Home Office by Brookstone offers a wide range of Home and Office Electronics and Home Accessories. 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