When you need to make an important decision, you should gather a lot of information first.  

Think about the last time you bought a car. Did you walk on a lot, point to a vehicle, and pay the full sticker price? No. This isn’t like buying a bunch of bananas or a gallon of milk, where you can simply grab and go. This is a big decision that will impact you for years.

Before even talking to a salesman, you probably researched autos online, decided what features you wanted, weighed all the other factors on reviews and ratings (both objective and subjective), and decided how much you would be willing to spend and how much it should cost. Only then, having done research, would you go look at a car. And you probably looked at several before bringing one home.

This isn’t “paralysis by analysis.” You are, after all, going to make a purchase. But you need to do the analysis to know you are being treated fairly and making a smart decision.

Not surprisingly, the people who loan money to home buyers also try to gather plenty of........

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