4 TIPS FOR First time homebuyerS

1. Low down payment options are available that may help reduce upfront costs. How do you learn more? Find a quality mortgage consultant who can help you explore all your options, and make sure you shop around and compare mortgage rates. I’m happy to make mortgage consultant recommendations. Please get it touch!

2. Price, closing time, and repairs may be up for negotiation. When it comes time to put in your offer, lean on your realtor for guidance here. Their expertise will most likely come in very handy.

3. Check your credit and hold on any activity. Credit score plays a big role when applying for a mortgage -- to keep your score from dipping, it’s smart to avoid opening any new accounts or missing any payments before (and during) your home buying process.

4. Get a pre-approval letter from your lender. Getting pre-qualified for a mortgage not only tells you exactly what you can afford, but having the letter in-hand at the time you submit an offer makes you look good to a seller, and could give you the upper hand over buyers who don’t have a letter.