First time home buyer? The first month of the year is the perfect time to resolve to be mortgage ready. There’s a lot to know about applying and qualifying for a mortgage, about types of loans, interest rates and settlement costs. You’ll also want to understand your options in lenders, and how long it might take to work your way through the mortgage process. To get started, read through this First Time Homebuyer’s Guide. Then, talk with a lender to better understand your specific financial picture. Do your homework now – and you’ll be ready to find your dream home this spring!