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• Work with an experienced full time professional Realtor
• An experienced mortgage professional at a sound financial institution will help you decide what you can afford, not just how much mortgage money you qualify for.
• Be sure you understand how the increase in property tax that will kick in during your second year of ownership will impact your escrow and monthly payment
• Buyers shouldn't make ridiculous low offers
• Do not hesitate to make a reasonable offer on something you really want that is priced for today's market because the best properties are still selling quickly when they are priced realistically.   
• A lowball offer usually sets the tone for the deal and it becomes emotional for the seller and can kill the deal on the home you really want. 
• No mater how badly you want a property, do not show emotion because the seller will use it to his advantage.
• Don't be shy about asking for extras like the buyer paying closing costs, HOA fees in advance, etc.
• If a seller balks at your price or terms, just move on to the next one.

Use this mortgage calculator as a guideline only.

Get accurate mortgage information from a substantial financial institution and learn how you can pre-qualify for a mortgage, saving time and stress later.