BUYING? READ THIS BEFORE YOU GET STARTED:

Be good to yourself by making the process easy on your end. Here are a few things you can do to be prepared:

* Pay down your credit cards to at least half - if not all of what is owed. A little debt is ok - a lot will sink you in the loan approval process. There’s nothing wrong with waiting a month or two in order to get balances paid down.

* Use a free credit score/credit monitoring service to get an idea of how your credit is looking. Be educated about where your credit score is, why it’s there - and if you need to fix it, how you can do that. Most lenders require at least a 640 credit score in order to qualify. 

* Locate your tax records (w2’s, 1099s, etc.) You’re going to need to prove income & lenders will always request tax info for this purpose. 

* SAVE, SAVE, SAVE! If you’re thinking about purchasing a home make THAT the priority. Resist the temptation to, I don’t know - buy a new car, or open 2 new in-store credit cards, or buy a boat... priorities! You’ll need anywhere between 3.5% to 5% down (fha/conventional) - and 20% down for an investment property. 

You can do this! I can help! 801.258.1569