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If you’re thinking about applying for a mortgage loan in the near future, a major topic to consider is your debt. Lenders will consider your entire financial and credit picture when determining the types of loans and rates you qualify for, and the debt you carry and your history repaying it will be key among the factors they look at.

Buying a home is the American dream, but for many people it’s one they fear will never happen. After all, when it comes to the home buying process, there are a lot of misconceptions floating around. So, if you think owning a home is out of your reach continue reading. You may be pleasantly surprised as we dispel the most common myths about buying a home.

While the process of building toward obtaining a mortgage and purchasing a home may feel like cresting a mountaintop, it’s important to realize that your work doesn’t stop when the final paperwork is signed. Homeownership is a detailed area that requires diligence and hard work, plus a continued commitment to strong financial decisions.