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When many people first start of the home buying process they start off by driving through neighborhoods or looking to newspapers to find available Hamilton real estate or maybe even going to a real estate office and meeting with a real estate agent. However this is the wrong approach as the very first thing you must do as a home buyer is visit a mortgage broker or your bank and get pre-approved for a mortgage. This will allow you to know up front not only what interest rate and monthly payment you can expect to pay but also what is the upper limit of home that you can afford to purchase.