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Three area teams are defending champions – Times News Online

Three area teams are defending champions – Times News Online
tnonline.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from tnonline.com Daily Mail and Mail on Sunday newspapers.

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Harrowing North Carolina floods lifted houses off their foundations and left 4 dead, 4 missing

Harrowing North Carolina floods lifted houses off their foundations and left 4 dead, 4 missing
washingtonpost.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from washingtonpost.com Daily Mail and Mail on Sunday newspapers.

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The Family Home-Buying Guide

Pre-approval is a smart idea.
Taking this step means you ve been tentatively approved for a mortgage of a certain size, giving you a sense of how much you can safely spend on a home. It also shows sellers that you re a serious contender, which can make a difference when you re bidding against other buyers. There are two main things a seller wants to know about buyers: Are they willing to pay my price and can they close a deal if we agree? says Dale Taylor, a realtor in Chicago.
Start by using an online home-affordability calculator to determine how much money you can borrow. Then check Bankrate.com for competitive rates in your area. Select a mortgage lender who is easy to reach, happy to answer your questions, and trustworthy (avoid anyone who pushes risky adjustable-rate mortgages). But don t feel committed to him. Once you re ready to proceed with an actual mortgage, call around and compare closing costs and any bonuses or rebates being offered. Yo ....

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