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Once you’ve established yourself as a homeowner, you might begin receiving information related to refinancing your home. And you may begin to wonder, what is refinancing and is it right for me? 

While reasons for refinancing vary, homeowners typically only consider this when they see mortgage rates fall. And while lower rates are definitely something you want to look at, there are other times when refinancing can benefit you regardless of current rates. 

At one point or another most of us have been told we need to have a 20-percent down payment when buying a home. But a lot of first-time homebuyers struggle to save that much money. 

The good news is that if you find yourself in the position of wanting to buy a home and not being able to save 20-percent, there are other options to consider. 

During this season we see more houses go up for sale, which provides you as the buyer with more options to choose from. But before you start browsing Realtor.com or attending open houses, it’s important to get pre-approved for your mortgage to ensure you’re prepared to make an offer when you find your dream home. Regardless of whether you’re a first-time homebuyer, looking to move, or in the market for a second home, here’s a look at the top five things you need to do to get pre-approved.