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Before You Buy
Preparing for your real estate purchase
Check your personal credit. There are many places online where you can get your credit report for free.
Some credit cards will also provide your credit report if you ask. If there is anything wrong, get it corrected.
Save as much as possible for the down payment and closing costs. It’s worth it to sacrifice short-term luxuries for your long-term goal of home ownership.
Avoid using credit at all costs! Right now you should not take on another car payment, buy a boat, or even apply for another credit card.
If someone is donating a substantial sum toward your new home, deposit in your savings account months before applying for a mortgage loan. Ask an attorney, accountant, or loan officer about gifting rules.
If you are a veteran, order your VA Certificate of Entitlement in preparation for choosing a VA mortgage.