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For most people, a home is the largest asset they will ever own. Before you go out and purchase a home, though, there are a few things you need to do so you can have as easy a home loan process as possible. Taking the right steps in advance can ensure that you are able to get the home loan you need and the one you want.

A home loan is a major investment—for most people, the largest investment they will ever make—and getting a loan is the only way most homeowners will be able to afford such a large purchase. The one factor that determines how much you will pay, both in monthly payments with principal and interest, and in the overall total amount you will pay over the life of the loan, is the interest rate. Here are some suggestions to help you get the lowest possible rate when you’re preparing to purchase a home.

The process of finding and getting approved for a new home loan can be a stressful situation, but in many cases you can make it much easier on yourself by knowing a little bit more about what kinds of loans are out there. That makes the home loan process easier and more efficient, and you can feel confident that you are getting the best possible loans for your financial situation. Here are three features you want to explore in a potential new loan.