Questions to ask lender as I am I a first time home buyer

[Tom Fitzsimmons]

What are some questions I should be asking a lender? I'm a first time home buyer... 

So far I have:

- Are their any first time home buyer grants I can take advantage of in my state? (I'm investing in Maryland)  

- Are all title and transfer fees paid by the seller? 

- Is the interest Rate variable or fixed? 

- Are there any penalties for making multiple payments a month or paying off early? 

Any thoughts and or experience would be much appreciated!