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New home purchase mortgage Check Purchasing your first home should not be an exercise of blind faith, with you not really knowing what you are getting yourself into and be drowned in all the strange terminology and strong and at times contradictory ideas about the house purchasing processes. Buying for the first time a house for your family or yourself is probably the biggest financial commitment you will make in your life so it is very important to take time and learn all the needed information about the house purchase processes and evaluate the many factors that pay a role in buying a house such as your current income, credit score, down payment and the terms of the loan. Knowing to the detail your financial situation is crucial before shopping for your home and getting the best home mortgage deal.