Purchasing a home for the first time is an exciting period for a couple, specifically if they have kids. Most mortgage lenders understand this, and take it upon themselves to offer the most ideal terms in the first time mortgages. Of course depending on your vicinity or area of jurisdiction the laws might vary, however there are some basics that remain intact regardless of your geographical location.

Every time I see the average real estate professional (realtor, investor, mortgage broker, etc...) using the same dinosaur marketing techniques that their former consultants beat into them, I wonder if they enjoy...