Have you made your New Year's resolutions yet? If buying your first home, or perhaps moving up to a better home, is among your resolutions, today is a great time to plan for your 2004 home purchase. Home mortgage interest rates are still very close to their record lows reached in June 2003. During this slow time of the year for residence sales in most communities, any house or condo seller who has their home listed for sale is usually highly motivated to sell. Purchase Bob Bruss reports online. Your purchase price could be much lower now than the residence will command in a few months during the peak annual spring home-buying season. If you want to buy a house or condo in early 2004, here are five secrets to make your home purchase quest almost easy so you don't overpay: 1. GET PRE-APPROVED FOR A MORTGAGE. Most experienced real estate agents refuse to work with prospective home buyers who are not already pre-approved in writing by an actual mortgage lender (not just a mortgage b...
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by Amber Taufen | Today 3:00 A.M.