Are You Dreaming of Owning a Home? Let me help you make that dream a reality! I’ll even do the research for you – text or email what you’re looking for, I’ll send you the most recent listings to your specifications. You can start looking right away. Below are some helpful hints if you want to judge where you fit into the bigger picture of buying a home.

1. How much you can actually afford? If you’re not sure, it’s time to figure out where your money is going and how to manage it, so you can invest in yourself. You could use one of the following sites to start tracking your spending. Figure out where you can cut corners and start putting the money away for a down payment. (see the links below for some awesome apps to help you track your budget). 

Many banks and credit unions also offer budgeting tools to their clients as well.

 

2. Have You Looked At Your Credit Score? Look up your credit score on the website below. You can get your credit information once a year on the site below – and it’s free. Did you know that making your monthly payments on time is the best way to increase your credit score? Your credit score is based on how much credit you have and how much of that credit you are using. So find ways to cut corners and increase the amount of available credit you have by paying down some of your debt.

www.AnnualCreditReport.com

 

3. Do you have a pre-approval letter or a pre-qualifying letter? Once you have a good understanding of your finances, contact a loan officer – if you don’t know of one email me and I’ll recommend a few. A loan officer can help you fix any flaws in your credit. They can also help you get the best rates and give you a pre-approval letter or a pre-qualifying letter. These letters are essential in this fast paced market

Again, let me do the research for you – text or email what you’re looking for, and I’ll send you the most recent listings to your specifications. Start looking right away. 

christinaramsey@preferredhometeam.com

612-875-2717