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It isn't a simple task to buy your home on a mortgage, especially so if it is your first home. Our website sells california health and life insurance quote online Homebuyers find it very intimidating to take over such a huge responsibility, and that too spanning over so many years. Our website sells california health and life insurance quote online To add to the problem, the language and terminology used by the mortgage lenders, realtors and title companies is nothing short of an alien tongue to the first time mortgage buyer. Our website sells california health and life insurance quote online All this taken together makes buying your home on a mortgage quite a scary proposition. Our website sells california health and life insurance quote online But nothing is easier than a mortgage if you have all your preparations in place, all that frightful jargon notwithstanding. Our website sells california health and life insurance quote online This article puts forward those fundamental things you need to be armed with before contemplating your first mortgage. Our website sells california health and life insurance quote online Affordability is the chief factor. Our website sells california health and life insurance quote online You must remember that at the end of the day you will be repaying the mortgage out of your monthly income. Our website sells california health and life insurance quote online So this will require a basic calculation at your end about how much you will be able to shell out on the monthly repayment. Our website sells california health and life insurance quote online There is a way to get a rough estimate on this. Our website sells california health and life insurance quote online Calculate your annual gross income. Our website sells california health and life insurance quote online Multiply this figure by three. Our website sells california health and life insurance quote online Generally, this is the amount which you can afford for your house. Our website sells california health and life insurance quote online Do not stretch your mortgage beyond this figure. Our website sells california health and life insurance quote online If you are doing so, you must be positive that your financial gains will increase within a couple of years. Our website sells california health and life insurance quote online You could use a mortgage calculator (freely available online) to compute what the monthly payments on the mortgage would be. Our website sells california health and life insurance quote online If it still seems complicated, there are mortgage bankers who could help go ahead with the process. Our website sells california health and life insurance quote online