NewYearResolution - Buying a home

 

Get pre-approved

If your New Year's resolution is to buy a home then the first step is to get pre-approved. Getting pre-approved is an excellent chance to see how much you can afford - both a monthly payment and purchase price. You may be surprised at how much you can afford. If you find that you can’t afford the house you want, then figuring out why is an important first step to tackling the obstacle.

Identify obstacles

If the house you want is a little to expensive, then deciding how to get there is the next step. Your credit may be to low, you might not have enough saved, or you may have too much debt. One thing is certain, each obstacle can be overcome. You just need a plan.

Start your action plan

Refinancing your debt, working on your credit, or forming a budget to start saving more are all options. Talking with your mortgage officer is the best way to get personalized advice on how to afford the home of your dreams.

Find a realtor and start looking

Once you get your ducks in a row and have been pre-approved, it’s time to start looking. If you don’t know any realtors our mortgage officers can recommend one to you to start the process.