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No matter how badly the buyer wants to buy or the seller wants to sell there's usually no deal unless a lender provides the money. Most of the responsibility for arranging that falls on the buyer -- through a variety of methods we examine in this section. We'll also give you a close-up view of closing costs and title insurance and point out one area of the financial arrangements that the seller needs to be concerned with.

Financing your new home

Elements of a mortgage -- Understanding the key elements of a mortgage is the best way to get the one that best fits your needs.

Down payment is the biggest mortgage obstacle -- Having a sizable down payment is the key to getting the best mortgage terms. The lack of adequate cash blocks more buyers than any other factor.

Tale of two mortgages: fixed or ARM? -- Which is better varies by the unique circumstances of the borrower and which way the wind is blowing.

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Choosing the best mortgage: FHA or conventional -- There are pros and cons to each. Here's how to select the best for you.

Mortgage aid for veterans -- There's still plenty of assistance available for those who served in the armed forces.

Alternatives to standard mortgages -- There's a mortgage designed to fit almost every need, from jumbos to balloons.

How to find a mortgage without leaving home -- Gone are the days of filling out multiple application forms and photocopying stacks of documents. The Internet has allowed mortgage shopping to be an electronic stroll in the park.

Title insurance 101 -- Whose title is it and why am I insuring it? As a seller, it's usually your job to prove you own the property outright and have the right to sell it.

4 types of closing costs -- These loosely defined fees could include the kitchen sink if you're not careful. These four types are those normally recognized.

Good appraisals gone bad -- The seller can set the price and the buyer can agree to it. But if the appraiser nixes it, the deal is likely to fail.

-- Posted: May 16, 2005

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'05 Real Estate Guide
30 yr fixed mtg 3.53%
15 yr fixed mtg 2.71%
5/1 jumbo ARM 3.26%
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