SO YOU WANT TO BUY A HOUSE
The Process may be very easy or may turn out to be very complicated. In either case we are trying to help you get from looking to ownership.
TIPS
- Decide what you want
- Have a realistic idea of what you can afford
- Be courteous & respectful of the seller
- Get a property disclosure form
- Put everything in writing
THE AMERICAN DREAM
Homeownership is a big responsibility for a long time but it is worth every effort.
QUALIFYING FOR A HOME MORTGAGE
- Character — explores your history of paying bills on time which demonstrates your willingness to pay your debt
- Capacity — explores your job history and your fund available for debt repayment
- Capital — explores your funds available for down payment, closing costs, prepaids, and required reserve amounts
PANIC DOESN’T HAVE TO BE PART OF THE PROCESS!
Coming clean with credit — credit can be a wonderful thing, but, like eating cake, too much of a good thing can backfire on you.
Credit is measured at levels of importance:
- Payment History 35%
- Amounts Owed 30%
- Length of Credit History 15%
- New Credit 10%
- Types of Credit Used 10%
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