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%