In the past only the affluent people in the society could afford to buy their own homes. However, some changes in the financial sector have enabled so many people to develop hopes of owning their own houses. Special advances for the purposes of owning residences have been tailor made to suit persons in the middle class. Applying for these kinds of advances is not a difficult process and everybody with some source of income can apply. However there are quite a number of considerations that one should make before he applies for this loan. In an attempt to acquire mortgages Harrisonburg people need to know the following guidelines.