Before you buy a home – 1. Understand how much you can afford by determining your debt-to-income ratio and estimated payments (visit and tick “calculators” for an idea). Your first step should be to GET PRE-APPROVED by your mortgage lender or bank. 2. Understand the basics of financing and what you really can afford. You should have a firm grasp of interest rates, points, the type of loan, and the terms. 3. Consider an accelerated payment schedule: Take your monthly payment, and multiply it by 13, divide that total by 12 and get your accelerated monthly payment. Save thousands! 4. CALL BARON HOLDINGS! 863.968.6721