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Don’t wait until you’re ready to move to start preparing financially to buy a home. If you’re like the vast majority of home buyers, you will choose to finance your purchase with a mortgage loan. By preparing in advance, you can avoid the common delays and roadblocks many buyers face when applying for a mortgage.

"My wife and I are paying the mortgage on our home. loan the first time you walk into a local bank. Community bankers want to get to know you first. "Go in and build a relationship," Blatz says.