To be pre-approved for a good loan, a score of at least 700 will keep you from paying rates that are too high or a bigger down payment. Don't be discouraged if it's not quite that high, though- just make sure you contact creditors to take care of unsettled debts or errors on your credit report.
Don't apply for any new credit before applying for a mortgage.
Get pre-approved for a mortgage before walking through your first house. You want to know exactly what you'll be able to afford. It's a sellers market - if you don't make an offer quickly, someone else will - and if you don't have your finances in order ahead of time you'll likely be beat to the punch.
Plus, you might get your heart set on something that's out of your price range and be extremely disappointed when you find out you can't afford it. Call us today or send us an email and we will be more than happy to get you in touch with a preferred lender!
Prepare for Additional Costs
Don't forget about additional costs and fees, such as the closing costs, homeowner's association fees, insurance, utilities, and down payment. We can make sure you account for all expenses before calculating your final budget.
Determine Your Criteria
Develop a list of your must-haves and deal breakers. If buying with a partner, make sure you both discuss and agree on this criteria and do your best to stick to it. Make sure take into consideration other factors, such as the neighborhood and surrounding area. Let us know what you're looking for and we'll start sending you listings and setting up viewing appointments!
Try not overwhelm yourself with too many properties in one day, or you'll forget which house was which. Let us find you the house that's right for you. It is our goal to move you to a better future, and we guarantee that we won't settle until you're certain you've found the one.