Buying a home is a significant milestone in life, and for most people, it requires obtaining a mortgage. Figuring out the mortgage process can be overwhelming, especially for first-time homebuyers. With so many options, terms, and considerations, it can be challenging to know where to begin. This beginner’s manual aims to provide a straightforward guide to navigating mortgages, helping you understand the process and make informed decisions. Whether you’re a first-time homebuyer or simply looking to refresh your knowledge, this article will provide you with the essential information you need to navigate the mortgage landscape.