When making a home purchase, it is one of the biggest purchases that you will make in your lifetime. There are some tips that you should keep in mind in order to make sure that your experience is a pleasant one.

For starters, know exactly what you will be paying for upfront. There are many fees associated with mortgages and if you have a question about one, do not be afraid to question it.

Secondly, make sure that if you do pay off your mortgage early that you are not bombarded with pre-payment penalties. Which means that you should make sure that the lender you deal with does not put fees if you do decide to pay for your mortgage earlier than you have thought.

Make sure that you do not fall for the bait and switch tactic that many people fall for. This is when a lender may promise low interest rates or no closing costs only to tact these fees on in the end because your FICO score is not perfect. Make sure that you know that you can trust your lender and only work with those that you feel truly comfortable in working with.

Do not let the Realtor force you into a home that you do not feel comfortable in buying. The real estate agents are out to sell these houses to earn their commission. However, if you are not truly in love with the house, do not purchase it as you will only regret it later.

Only buy a house that you can afford. Do not be pressured to buy something out of your price range that the real estate agent believes that you could afford. Find out what you can afford beforehand and stick with this estimate during your search.

Do not rush into buying a house. Many times people get caught up in a bidding war with another buyer on a house, only it is for a house that they may not love. Do not settle for a house just because you are tired of looking. A good rule of thumb is to wait a day and see if you still have a desire for the house or not.