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      <image:title>Buyers</image:title>
      <image:caption>Before You Start Looking For Your New Home: Check your credit rating. Straighten out any errors before its too late. Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment. Find a loan that meets your needs and get pre-qualified (preferably pre-approved). Choose a REALTOR® that you trust and who understands your needs. Determine what neighborhood best matches your needs. Identify important features you need your new home to have.</image:caption>
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      <image:title>Buyers</image:title>
      <image:caption>Closing Costs Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account. Third-party fees include charges for insurance, title search, and other inspections such as termites. Government fees include deed recording and state &amp; local mortgage taxes. Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.</image:caption>
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