Your Credit History

It's important to know your credit history and what has been reported to the agencies. Make sure that your reports are correct prior to obtaining a loan.

Getting Your Finances in Order

Make sure to pay your bills on time. Lates count against you. This effects your credit rating which in turn will effect your ability to get a loan and/or a good interest rate.

How Much Can You Afford

Have answers ready for your lender as to 

1. 2 Years Residence History
2. 2 Years Employment History
3. W-2 (2 years) and current pay stubs
4. Self employed - last 2 years tax returns
5. Recent 2 mos bank/investment statements on all accounts
6. Current loans/debts - list names, addresses, account numbers, payments and balances
7. Loan information on all other real estate owned

Adjustable Rate Mortgages

Understand what it is so that you can make a good decision if this is best for you.

Different Types of Loans

Know all the different types of loans so that you can make an educated decision and feel comfortable with your choice

When To Pay Points

Understand what points are and when it is in your best interest to pay them

How Mortgage Loans Work

The in's and out's

Closing Costs

Don't be surprised at closing...know what your costs are up front so there are no surprises.

Saving For the DownPayment

Real Estate is the very best investment you can make and worth the sacrafice.

Length of Your Mortgage

How long you plan to stay in a home will help to determine the length of your mortgage plus the shorter the length, the higher the payment...what's best for you?

Leveraging Your Money

Have your money work for you!

Refinancing

What refinancing is all about and when you should actually refinance.