1. Many people use on-line calculators to determine if they can afford to purchase a house. Although these calculators have a lot of value in the decision making process, there is a possibility that when the purchaser goes to get their loan, the numbers may be significantly different. Is it better to use an on-line calculator to determine home buying worthiness, or to speak to a lender in person?

2. Some contracts include covenants, conditions and restrictions. What are some typical CCRs and how can a realtor help me understand them? Should I purchase a property that has CCRs or should I concentrate on properties that don't have CCRs?

3. What is a foreclosure sale and can I get a good deal on a foreclosure?