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You must get prequalified for a mortgage before you house hunt in today's market.

One of the keys to making the home buying process easier and more understandable in today's world is planning. This will help anticipate requests from lenders, lawyers and other professionals, and all the foreclosures, buyers will move more easily through the home buying process.

As for closing costs, in today's buyers markets, you can negotiate an offers that requires the owner to pay some or all of the settlement expenses.

Posted Wednesday Dec 31