But where do you start?

Here are top 5 things you need to know before approaching a mortgage lender.

1. Understand Your Options All mortgages are not created equal. There are several different types, which vary based on interest rates and payment terms.

For example:

• With a fixed-rate mortgage, your monthly payments remain same during entire length of mortgage. There will be no variations in monthly payments, regardless of changes in interest rates and inflation.

• With an adjustable-rate mortgage, you will often receive a lower initial interest rate, but your monthly payment amount can rise and fall as interest rates fluctuate (within certain caps or limits).

• With a balloon or reset mortgage, you once again may be offered a low interest rate, but it will hold for a limited time. After that, balance of mortgage will be due, or you will need to refinance.

2. Become a Rate Watcher The state of economy influences interest rates, which ebb and flow on a regular basis.

Your daily newspaper tracks these rates, so stay current by watching whether rates are rising, falling or remaining stable.

It behooves you to become as educated as possible about how these rates will affect your mortgage—and to see if you want to postpone applying for one until rates drop.

3. Get Pre-Approved Consider getting pre-approved for a mortgage, says Frank Nothaft, PhD, vice president and chief economist for Freddie Mac, stockholder-owned corporation established by United States Congress in 1970 to create a continuous flow of funds to mortgage lenders in support of homeownership and rental housing.

THIS IS AN EDUCATIONAL SERVICE PROVIDED BY PIERCENUTRITION 1 866 469 0521 WWW.PIERCENUTRITION.USANA.COM

Hi my name is Terry Pierce and I am owner of PierceNutrition. This is only section two of guide if you would like full guide please contact me. The guides’ table of contents: Section one: OUR MODERN WORLD IS FULL OF HEALTH HAZARDS

Section Two: 9 DEADLY DISEASES THAT ARE SENDING PEOPLE AN EARLY GRAVE

Section Three: WHAT EXACTLY ARE ANTIOXIDANTS AND HOW CAN THEY HELP ME?

Section Four: 3 MYTHS ABOUT VITAMIN SUPPLEMENTS

Section Five: WHY IT IS SO IMPORTANT TO PROTECT YOUR CHILDREN AT AN EARLY AGE

Section Six: ALL VITAMINS ARE NOT CREATED EQUAL

Section Seven: 7 QUESTIONS YOU MUST ASK BEFORE CHOOSING A VITAMIN SUPPLEMENT

Section Eight: 4 STEPS TO CHOOSING YOUR VITAMIN SUPPLEMENTS

Section Nine: VITAMINS AND THEIR SYMPTOMS OF CLINICAL DEFICIENCY

Section Ten: TESTIMONIALS FROM ATHLETES

SECTION TWO:

9 DEADLY DISEASES THAT ARE SENDING PEOPLE TO AN EARLY GRAVE

What you can do to help prevent these diseases from affecting you and your family

In its annual report, World Health Organization warns that cancer, heart disease, and other chronic conditions, which already kill more than 24 million people a year, will impose increasing burdens of suffering and disability on hundreds of millions of others.

Health enemy #1: Heart Disease FACT Coronary artery disease is number one killer in industrialized nation’s today_ accounting for over 7.2 million deaths a year.

Heart disease is an inflammatory disease of artery-not a disease of cholesterol. Over half of patients who suffer a heart attack have normal cholesterol levels. The underlying cause of inflammation of artery is “oxidized” LDL cholesterol, homocysteine, along with excessive free radicals caused by hypertension, diabetes, cigarette smoking, fatty meals and elevated insulin levels. All of these causes of inflammation of artery are either eliminated or significantly reduced by use of nutritional supplementation

Health Enemy #2: Cancer FACT 6.3 million people die of cancer yearly

In spite of great advances in diagnosis and treatment of cancer, eventual outcome is too often a very difficult and painful death. Medical literature increasingly supports fact that cancer develops from damage to DNA of cells by unstable molecules over course of 10 to 20 years. Many studies have correlated that high levels of quality vitamin C intakes with low rates of cancer, particularly cancers of mouth, larynx and esophagus.

Health Enemy #3: Stroke FACT 4.6 million people die from stroke every year

Stroke occurs suddenly and usually without warning. Dr. Meir Stampfer reported in New England Journal of Medicine in 1995 that 15 percent of all strokes could be related to elevated homocysteine, a by-product of protein metabolism that is elevated in individuals who have low levels of folic acid and vitamins B6 and B12. Studies have shown that by increasing your levels of vitamins B6 and B12 with high quality supplements could help prevent stroke