Tips for the future buyer:

Tips for future buyers, check your credit: If you are in the market, or plan to be, it's important to start out on the right foot. A high credit score not only gets you the best rate, but it also allows you to minimize your closing costs. Ideally, you should check your credit score 6 to 12 months before you start the home buying process. This will allow you time to correct any errors and take steps to improve the score if needed. (If you don't have 6 months before your purchase, it still makes sense to know if your information is accurate and what your score is. You will be better prepared to work with your lender.) A great place to start is www.annualcreditreport.com. Everyone is entitled to one free credit report every 12 months from the 3 largest credit reporting agencies. They won't give the numerical score but you'll be able to see your report and history. Check for errors or if you've over looked paying a bill and it's now in collection. Once you have your credit report, you will need to take a little time to figure out exactly where you stand. Email me for an excellent brochure to review. The brochure explains credit and credit scores in a way everyone can understand.