How long have you been dreaming of owning your own home? Have you been living in apartments or perhaps a convenient rental near your work? Have you always wanted to paint some walls? Home buying, especially for the first time, can be pretty intimidating.  Everything is new and different. You feel like you’re signing your life away when you go in to sign your mortgage.  You are beginning your life of property ownership – a wonderful thing in itself.  You are beginning to build your financial future – an even better enterprise with promise.  You are making an investment.  What will it cost? What benefits will it bring? You can get excellent information to help you feel confident during this life change. Just use a mortgage payment calculator to define what will work for you in terms of your down payment, the type of mortgage you want, your payment frequency and the length of your amortization. It’s easy to examine different possibilities by simply inputting different numbers. This is a tool that will make your first time less intimidating