First-time homebuyers often need to reassess their spending habits to build a solid budget for purchasing a home. Cutting unnecessary expenses can be helpful in freeing up some more of your budget for saving each month: perhaps reducing dining out, cutting down on entertainment costs, and limiting impulse buys. If you’re ready to start the process of buying a home, send me an email or text...
Credit
Starting the process by “just browsing” could set you up for heartbreak. Before you go looking for (and falling in love with) a home, you need a realistic idea of what you can afford, make sure your credit is in good shape, and most importantly, get pre-approved for a mortgage. If you’re unsure where to start, you’re in luck! I know some of the best loan officers around and working with me...
Today with interest rates raising, one wants to ensure their credit score is the best it can be. Your credit score, also known as your FICO Score, plays an important role when you apply for a mortgage. You can get a free credit report from each of the three credit bureaus once a year at AnnualCreditReport.com. This is the only source for free credit reports, and it’s authorized by federal law. It...