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Q: I’m ready to buy a new home and I’d rather not wait until spring. What do I need to know about buying a house during the winter?  

Within any mortgage situation, both the lender and the borrower want to ensure that the amount being borrowed lines up with the property value and expected expenses. A third party known as an appraiser is vital to this process, carrying out what’s known as an appraisal for any mortgage situation.

Q: My mortgage lender is requiring me to take out a homeowners insurance policy before I close on a new home. What do I need to know about this process?