A is a formal commitment from a lender, which is much stronger than a pre-qualification. It shows sellers you are a serious buyer and allows you to move quickly in competitive markets.

: Work with your agent to craft an offer based on comparable sales. Consider adding an escalation clause in hot markets to automatically outbid others up to a limit.

: Categorize features. For example, the number of bedrooms might be a "need," while a gourmet kitchen is a "nice-to-have".

: A buyer's agent helps you find listings, navigate local market quirks, and handle negotiations.

: Visit neighborhoods at different times (weekend mornings vs. late nights) to check for noise or traffic.

by Jon Gorey: A guidebook covering mortgages and the MLS, available at Barnes & Noble.

: A popular safety net suggests having three months of living expenses saved, three months of mortgage payments in reserve, and comparing at least three properties.

: Expert insights on negotiating and closing, found at Books-A-Million .

Online activities

Welcome to our online activities page. Here you’ll find a host of activities, including: