(TNS)—Usually, a first-time homebuyer picks out a house before lining up financing, but experts say it should be the opposite. Dan Huss, a mortgage consultant with BNC National Bank in Scottsdale, Ariz., says buyers often call a REALTOR® first and then the Realtor® refers them to a mortgage person. “The first call really should be to a loan officer,” Huss says. But before you make that first call, sit down and do some hard... 
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