Make a Game Plan

Doing some preliminary planning before you begin your home search will make the entire process more manageable and less overwhelming.

As part of your initial game plan, you should:
• Fine-tune your credit rating
• Enter into a Buyer’s Agency Contract
• Obtain mortgage pre-qualification and pre-approval
• Become an educated buyer
• Create a wish list to help you learn what you need, and what you want - or don't want - in a new home.

Check Your Credit Rating

Even if you're sure you have excellent credit, it's wise to double- check at the outset. Straightening out any errors or disputed items now will avoid troublesome holdups down the road when you're waiting for mortgage approval.

• Make sure that any outdated derogatory entries are deleted from your credit.
• Hold off on making any major credit card or car purchases while you're waiting to apply for a mortgage.

*Talk with a reputable Mortgage Lender for guidance. A highly skilled mortgage lender can help you determine the best mortgage loan product for you.

Pre-qualification and Pre-approval on a Mortgage

We can recommend a couple of very reputable lenders who will analyze your income, assets, and present debt to estimate what you may be able to afford on a home purchase. Obtaining mortgage "pre-approval" means that you have in hand a lender's written commitment to put together a loan for you (subject only to the particular house you want to buy passing the lender's appraisal). Pre-approval makes you a strong buyer, welcomed by sellers.

Your Wish List

Before starting your search, make a "wish list" to decide which features are absolutely essential, which are nice "extras" if you happen to find them, and which are completely undesirable. The more specific you can be about what you're looking for from the outset, the more effective we can be in helping you to find your "Dream Home".