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    You’re ready to buy your home. You’ve picked out the one that’s exactly right for you. You’re excited and can’t wait to move in!

    The first thing you do before everything else is to figure out how much of a down payment you’re going to make. The down payment affects every other step of the mortgage and home-ownership process. It tells you what kind of o

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    The first thing you do before everything else is to figure out how much of a down payment you’re going to make. The down payment affects every other step of the mortgage and home-ownership process. It tells you what kind of o

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    of the mortgage and home-ownership process. It tells you what kind of offer you’re going to make on the house, the type of loan you’ll acquire, as well as how much you’ll pay in closing costs.

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