6. Home business professionals like to help out others. If you talk to a home business professional, chances are good that you will find that person does charity work of some sort.

7. Home business professionals are honest in their business dealings. When they see others being dishonest, they are quick to call them on it, and point it out to others.

8. Home business professionals are very dedicated. We love what we do. It is something we have chosen for ourselves. We make our own rules, and we love "going" to work each day. Our love for what we do drives us to do it better than anyone else and keeps us very motivated.

9. Home business professionals are very energetic. We don't have stresses that people in corporate world have. We are not a part of rat race. This allows us to have more energy. While traditional corporate employees tend to go home from work and stretch out on couch to watch television, home business professionals walk out of their home offices ready to go have fun. We have alot of energy left over at end of day.

10. Home business professionals are happy people. We love what we do. We've made our own rules, and we are living lives that we have chosen to live. Who wouldn't be happy?

Most homebuyers know that a down payment helps save money because it lowers loan amount and mortgage insurance. This reduces monthly payments. It also qualifies you for mortgage programs with better rates. Another savings tip is to pay your closing costs up front with down payment. Avoid rolling closing costs into loan itself or loan and interest increase. Without funds to cover down payment and closing costs you will want to refinance later. Another important investment homebuyers should make is to work with a mortgage broker. A mortgage broker will shop for best loan and interest rate. The knowledge a mortgage broker has can equal savings of up to $50,000 in interest charges. If you have credit issues or just want inside scoop a mortgage broker is your best choice.

Completing Transaction

The closing is an exciting day for both buyer and seller. The buyer should bring GFE for reference during meeting and request to review HUD 24 hours in advance. This means you are prepared and comfortable with completion of real estate purchase. A third party closing agent and REALTOR will be present. The loan officer or mortgage broker can also be present to answer any questions regarding loan. Some companies, like Breakwater Mortgage in Virginia, require their brokers to attend. Companies like this can be better to work with since they are willing to be more involved. Now that all questions have been answered and sale has been completed you can look forward to your new home and focus on future!