- Start saving - Although at home can be purchased for as little as 0% down the more you save for a down payment the less your payment will be.
- Review your credit - Get with a lender you trust to review your credit and tell you what you need to fix and how much home you can afford.
- Minimize your debt - Pay off those credit cards. Sometimes paying off a few hundred dollars in credit card fees can make a big difference in what you qualify for.
- Find the right lender - Ask someone who works in the real estate business every day to recommend a trustworthy lender. Looking on the internet for the cheapest rate is sitting yourself up for disaster. A proven lender who is interested in what's best for you and is honest with you will save you tons of heartache. You don't need someone to tell you what you want to hear, you need the facts.
- Get pre-approved - Before you start shopping ask the lender to get you pre-approved. Knowing what you can spend will make you shopping experience much smoother. Remember aim, ready, fire............ not fire, ready, aim.
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