Hello Tawny and congratulations on taking the first step to homeownership. Interest rates are at an all time low, making now the perfect time to purchase a new home. A pre-qualification or pre-approval from a lender can be useful in searching for and making an offer on a new home. Sellers can be very receptive to potential homebuyers who have already begun the mortgage process. Loan products vary from one lending institution to another, so be certain to compare rates and terms. The rate of interest you pay can greatly affect your monthly payments and the over all costs involved in obtaining and paying off your home loan. Finding the best interest rate available to you will definitely save you money. While shopping for a mortgage, check the current interest rates as well as projected fluctuations in the market. Interest rates are currently at an all time low but even slight periodic changes can mean more money out of your pocket. Each lender and loan product will have unique terms and conditions. Shop around for the best lender and home loan for your situation. No matter what your financial situation or credit score, finding a home loan with the lowest possible interest rate can save you thousands of dollars over time. Being a homeowner is one of the smartest financial and personal decisions you can make and you need a professional that will work for your best interests, every step of the way. That is exactly what you will find when you work with Home Savings of America. I will help you explore all your mortgage options and find the one that is best for you. Please feel free to contact me by phone (801) 285-8910 & (866) 590-3939 or by email, kharris@myhsoa.com to explore your loan options today! Thank you for your time and I look forward to speaking to you soon.