A real estate transaction is a complex process involving stacks of paperwork and a number of outside service providers and contractors.

An experienced buyer's agent can guide you through the process, answering your questions and serving as your advocate. Your agent will help you find the property that fits your needs, submit offers and counteroffers, suggest a good property inspector and other professionals, and provide all sorts of relevant advice.

With a buyer's agent, you'll have someone on your side, looking out for your interests every step of the way.

When interviewing lenders and mortgage brokers, consider asking the following questions:
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• What fees are involved?
• What types of mortgages might I qualify for?
• What interest rates are available for different types of mortgages?
• Can I lock in an interest rate? Will it cost me anything to do that?
• What are the closing costs? Can I wrap these costs into the mortgage?
• How much cash will I have to bring to closing?
• How long will it take to process my loan?


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