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.  more...