So the time has come for you to purchase a home and take on home ownership.

Home ownership will be perhaps the largest responsibility you ever take on in your life. But it will most likely be the most rewarding thing you ever take on in your life as well.

But before you go out and buy that rake, snow shovel, and lawn mower to keep up with all of your towns ordinances, you will first need to obtain a mortgage to purchase the home.

Although obtaining a mortgage takes some time and research, as well as a lot of paperwork, it doesn