Shopping for a mortgage can be a very daunting task. Because of this many people will skip this step entirely. That could end up being a big mistake though.

Choosing the right institution can save someone thousands of dollars on closing costs and thousands more over the life of the loan. Here is my rundown on how to find the right one and what questions to ask.

Shopping for Your Home

This video is essential for every first time home buyer and it's a great
refresher even if you've purchased a home before.

Your First Home - The Closing Process

Both seasoned homebuyers and first time home buyers want the closing process to go smoothly.

Down Payment Assistance Loan for New York Home Buyers

The Down Payment Assistance Loan Program aims to assist first time home buyers in the process of securing their down payment and closing costs through the acquisition of a second mortgage plan which can be used simultaneously with any available SONYMA first time home buyer program.

California Downpayment Assistance Program

The California Homebuyer's Downpayment Assistance Program is a deferred payment junior loan that can be used in conjunction with other CalHFA housing programs.

Ohio Heroes Program for Home Buyers

One of the most popular programs of the Ohio Housing Finance Agency is the Ohio Heroes Program which is exclusively intended for the active military, active reservists, veterans, firefighters, emergency medical technicians, paramedics, and several other groups with critical professions.

Grants From the Department of Housing and Urban Development

HUD makes it its mission to strengthen the country's housing market by bolstering the economy and protecting actual and potential consumers by meeting the need for quality affordable homes, making use of housing as a platform for improving one's quality of life, and finally, building inclusive and sustainable communities that are free from discrimination.