If you're just starting out or you've been looking for a while and you just can't decide the 1st thing you need to do is get pre approved. In another blog, I wrote how important it was to meet with your lender but I just wanted to write this short article to reiterate the importance of it again. I constantly run into the same issue. Buyers assume that the mortgage shown on most websites is an absolute but to be honest most of the time they're not even close. They don't calculate insurance, PMI or tax. At the end the actual note can be several hundred dollars away from the final note. It's vital to sit with a lender who can show you exactly where you stand. I can help with any pre approval question you have. Feel free to give me a call!