Most mortgage lenders look hard at you financially as well as your credit worthiness. Some ways to position yourself for buying a home are:
- Have no late payments reported by your creditors
- Keep all credit account balances below 30% of the available credit
- Your monthly debt (payments) need to be less than 40% of your income
- Have a savings account
- Maintain a credit score above 620
If at all possible, talk to a mortgage lender 6 months before you plan to buy a home. Use a local lender. Face to face contact is an awesome tool for you to use. There are time when there is a “ghost” showing up on your credit report. Most mortgage lenders will help you get these issue fixed.
Working with a local, family owned real estate company means that you get someone who knows the area and has a real interest in helping you find the perfect home. Our company has grown because of referrals from past clients. We believe that treating the customer right is the only way to do business. 
