Buying a home is a stressful time. Here are some things to keep in mind to ease the stress. 

Annual Percentage Rate (APR) -- this shows the total cost of the money you are borrowing for your mortgage. It includes the interest rate and any fees your lender might charge. 

Buyer's agent -- As the buyer of a home, this is the real estate agent with whom you signed an agreement. 

Closing Costs -- These are the costs in addition to the price of the home. They might include attorney's fees, insurance, and loan origination fees. These costs vary by region, talk to your buyer's agent for details. 

Home Inspection  -- When you make an offer on a home, it should be tied to the results of a home inspection. An independent inspector you hire checks over the home, including the overall structure, heating system, plumbing, electrical and roof. 

PITI -- This acronym stands for "principle, interest, taxes, and insurance." Chances are your monthly mortgage payment will include these. As you connect with your independent insurance agent, they can help you navigate this cost.  

When buying a home, remember that your insurance agent, real estate agent, inspector, and lawyer have probably done this before. They can help you navigate the process and ensure your investment is on a sound foundation. 

NOTICE:  This information is provided solely as an insurance risk management tool.  It is provided with the understanding that the member insurance companies of the Utica National Insurance Group ("Utica National ") are not providing legal advice, or any other professional services or advice. Utica National shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information. You are encouraged to consult an attorney or other professional for advice on these issues.

This is a summary of coverage and services. The precise coverage is subject to the actual terms and conditions of the insurance policy. Not all coverages are available in all states.