Owning your own home is the American Dream. And that dream is more alive today than ever before. Yet one of the first realizations a prospective home buyer often comes to is that the "dream home" does not always seem affordable.

Buying a home has changed in the 21st century. Before, buyers usually shopped for the best house they could find, then "took out" a loan. Today, prospective buyers must shop as thoroughly for the best financing as they do for the best house. In today's market both tasks are equally important.

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Buyers Guide Mary A. Thomas, has prepared this Buyer's Guide to provide an overview. For specific answers we encourage you to consult a Mary A. Thomas Sales Associate. Learn more		Free Tools Our free Mortgage Calculator will allow you to determine the monthly payment of a home based on its selling price. Determine your Mortgage Our free Allowance Calculator helps you determine how much of a mortgage you should carry. Determine your Allowance