This Mortgage Tip is brought to you by: Jefferson Lewis Board of Realtors, Northern Credit Union, and Personalized Real Estate Solutions. Last week I spoke about low mortgage rates and some tightening of lending standards. Hi, I am Lance Evans from the Jefferson-Lewis Board of REALTORS®. With low rates and a good inventory, this is a wonderful time to buy. As I suggested last week, your first step is to speak to a mortgage lender so you can explore your options and be pre-approved for a loan. The next step is to talk to an agent. There is a list of over 300 on nnymls.com and all of them can show any listing. By working with one agent, you will have someone who understands your needs and wants so you can Dream It, Live It, Own It in Northern New York. Brought to you by Northern Credit Union. Have you considered refinancing your mortgage? Now is the best time to refi your home to lower your interest, shorten your term, or lower your payments. Call 315.777.8910 or visit www.mynorthern.com to learn more.