The holidays are upon us and if you haven’t already, you will likely soon be hearing the song, “The 12 Days of Christmas”, or seeing any one of a number of “Top Ten Things You Need to Do in 2010″ lists. While you won’t find 12 things, or even 10 things here to think about when considering a mortgage or a home in Lynchburg, Campbell County or Bedford County Virginia, you will find several things you need to be aware of when seeking mortgage financing.

• Ratios A Little High?
• Short On Cash?
• When is the last time you had a check up?
• Know your numbers
• Credit Know Your Score!
• We may never see interest rates this low again