Financing can be the most daunting part of purchasing a new home.  The following ideas can help ease the process for you:

Decide the maximum monthly payment you are comfortable with before you meet a mortgage broker for the first time.  This will help take the confusion out of all the numbers you will hear.

Ask around for references.  The bank where you have an account may be a good place to start. Talk to your family, friends, and co-workers to find out what kind of experiences they have had.  Ask your building representative or Realtor for advice.  He or she will likely have good leads for you.

Be wary of wildly low advertised interest rates.  Carefully compare their up front fees with others.  The lowest rate may not always be the best deal for you.

Have your last two years' tax returns and your most recent pay stubs on hand for your first appointment with your chosen mortgage lender.  Have the number of your employer's Human Resource Department for verification of employment. If you are currently renting, have your landlord's number as well for verification of payment history.

First Quality Homes' qualified new home consultants can walk you through the steps to make the mortgage process easy.