Before you start shopping for your dream home the very 1st step is finding the right mortgage lender for YOU!. You'll want to have your pre-qualification ready so when you find that right home you'll be ready to meet with your agent and write a qualified offer for your agent to present to the seller. While the internet is overwhelming with banks and lenders it is very important to find out if the lender is a direct lender with in-house processing and underwriting.

Anything less should be unacceptable to you as the buyer!

Insist on getting a written Good Faith Estimate with 24 hours from any lender you contact. This estimate will show all the detail charges that will appear on your HUD-1 settlement sheet at closing.

As buyers, here are a few questions you should be asking when applying for your mortgage:

• What are the rate and points that your charging for this mortgage?

• What is the APR?

• What are all the fees your going to charge me between now and settlement?

• Is there a pre-payment penalty?

• Is this a fixed or adjustable rate mortgage?

John Meier
Office: 610-782-8810
Cell: 570-657-6966
Email: John.Meier@BankOfAmerica.com

Lee Green
Office: 1-800-563-3549
Phone: 610-631-1600

First Credit Corporation
21 North Main St.
Gloversville, NY 12078

10% Down; Max. 20 Year Term; Rates 7.99% to 8.50%

Tracy Kemeter
Office: 1-800-410-0405
or 610-366-2051
Website: www.pamobiles.com

Mobile Loan Specialists
4949 Liberty Lane, Suite 150
Allentown, PA 18106

Mike Kemeter
Office: 610-751-3750
Email: Mike@lvmobilehomes.com
Website: www.lvmobilehomes.com

Neffs National Bank
5629 Rte. 873
Neffs , PA 18065

20% Down; Max. 12-15 Year Term; Varies with Year of Home