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Home Buying Tips
Fine Tune Your Credit
Fine-tune your credit rating before applying for a
loan. Cancel unused credit cards, hold off on major credit purchases, and
consolidate loans… Call me to discuss other ways to optimize and possibly
remove your credit rating.
Pre-qualify for your mortgage BEFORE you begin your
home search. Pre-qualified buyers know what they can afford, speed up the loan
process and are more appealing to sellers. Call me to help you with the
Generally you can afford a home that costs up to 2 ½ times your family’s annual gross income. For example, with a gross income of $40,000, you may be able to afford a home worth about $100,000. Also, the lower the interest rate, the more home you can afford. Call me for more information.
Four recommendations to help position yourself for home ownership:
Establish good credit habits and a favorable credit history.
Start saving for a down payment and closing costs.
Read books about owning a home.
Research where you would like to live.
Fair price is based on many variables when purchasing a home. As a REALTOR , I have the knowledge and expertise to negotiate the right price for you. Call me to learn more about fair market value.