Real estate research

Adjustable rate mortgages and interest-only loans aren't for everyone, says the American Bankers Association. To find the right mortgage for you:

• Figure out if you can afford to buy. It may seem like everyone is buying a home so you should too but first decide if you can afford it.

• Do your homework. When considering adjustable rate or interest-only loans, look at both current and future income.

• Consider all the costs. A lender will review up-front costs, but you should also consider repairs and maintenance costs.

• Organize your finances before you go to the bank. You'll need recent pay stubs, tax returns and financial statements.

• Pay off or at least pay down other loans. Credit cards, auto loans or other small loans should be reduced before you look for a mortgage.

For more help deciding on a mortgage, go to www.aba.com.