Have your tank inspected by a septic tank professional every three to five years - more frequently if your family uses a lot of water and/or a garbage disposer. You can reduce the strain on your septic system by using less water and staggering showers, clothes washing, bathing and other heavy usage.
First, devise a checklist for the information from each lending institution. You should include the company’s name and basic information, the type of mortgage, minimum down payment required, interest rate and points, closing costs, loan processing time, and whether prepayment is allowed. Speak with companies by phone or in person. Be sure to call every lender on the list the same day, as interest rates can fluctuate daily. In addition to doing your own research, your real estate agent may have access to a database of lender and mortgage options. Though your agent may primarily be affiliated with a particular lending institution, he or she may also be able to suggest a variety of different lender options to you.