First Steps

"Did you hear that Sally and Roger bought a new home?"

Just that question gets our new home envy going and we start looking online, driving around and maybe even go into a new home and start imagining your furniture, kids and pets there.....but, STOP!

First, you need to  know what your budget is and often times you aren't fully aware of all the details.  You need to talk to a reputable financial person who can pull your credit and tell you the good, the bad and maybe (maybe not) the ugly.

Finding a financial person is easy...ask me and I can send you to one that is good, reliable and confidential.

The application is easy....usually online and will take 5-10 minutes to fill out.

The application is FREE.....that is always a good thing!

The application will NOT hurt your credit report.  If you are continually applying for credit cards, loans and such, then yes, that will hurt you because creditors think you are looking to spend, spend, spend.  However, having a financial person do it for the sake of down the road, buying a home, it is an OK and VERY good thing to do.

I have clients that want to wait for 6 months prior to purchasing a home to begin this process.  A year out is NOT too soon! If you have minor credit issues, 6 months or more of good payment history can do very positive things for your credit.

So remember, prior to EVER looking, see what your budget is so that you can set appropriate goals and look at homes that are in your price point.

Be blessed and don't hesitate to contact me with questions.