Home buying is one of the most significant decisions but also one of the toughest. While making the right choice is always challenging, what is more difficult is the loans. The loan terminology and industry jargons can be really complicated. Not only does it confuse the home seekers, some financial institutions often mislead them. Naïve buyers often fall in a trap thereby paying a huge price for their decision. So, the most important thing to ensure is: never make a decision in a haste.