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Starting out to purchase a new home confronts the home buyer with a myriad of questions. After doing some initial research on the internet I discovered that it is best to know upfront whether you qualify for a home loan. After all, there is no point investing time and attention into the process unless you know you can actually get finance when it is needed. The concept of mortgage loan points was something that was new to me. After going through several applications I have established some budgetary guidelines for the purchase process. This shapes the areas which I can afford so I can concentrate my attention on these regions.