function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_hl(){var tip=new Array();tip[0]="A 20% down payment on your home purchase can help you lower your interest rates and avoid having to pay private mortgage insurance.";tip[1]="Your debts can have a big impact on the mortgage application process. Visit our <a href='/products/debt/debt.jsp' class='w'>Debt Help</a> section if you need help reducing your balances.";tip[2]="Don't forget to have the home inspected before you finalize the deal. A $300 home inspection could reveal some expensive issues.";tip[3]="Planning on staying in your home for less than five years? An adjustable rate mortgage may be a good choice for you.";tip[4]="Look for homes listed below your target price. That way you'll be able to affordably increase your bid to buy a home you really love.";tip[5]="Being pre-approved for a mortgage can significantly increase your negotiation powers. Sellers prefer to work with buyers who have done their homework.";tip[6]="Closing costs can be a last minute budget buster. Be sure to consider these costs early on during the home buying process.";tip[7]="Take a digital camera with you when you go house hunting. It will be easier to remember the homes you looked at if you have photos.";tip[8]="Planning in staying on your home for more than 5 years? A fixed rate mortgage may be a good choice for you.";tip[9]="Pick the right kind of loan. Commercial mortgages are specially designed to help small business owners finance an office, restaurant, or other business property.";tip[10]="Co-signing can often help couples get a better deal on a mortgage. But if one person has financial problems, you may be better off buying independently.";tip[11]="Refinancing your mortgage can save you thousands of dollars. Evaluate the costs and benefits with our <a href='/vcapps/calc_refinance.jsp' class='w'>free refinancing calculator</a>.";tip[12]="A home equity loan can be a very cost effective way to borrow. Just be careful: if you can't repay the loan, you could lose your home.";tip[13]="Homeowners should create an emergency savings account. Save up enough to cover one or two mortgage payments in case you lose your job or fall ill.";tip[14]="Private mortgage insurance can be expensive. With most loans, you can remove the PMI once you've paid off 20% of your mortgage.";return tip[randNum(tip.length)]};