When you are ready to begin looking at homes, you should contact us to get the assistance of a qualified real estate professional, and then take the time to speak with a mortgage broker or lender whom you are comfortable with. You will want to obtain a written Pre-Approval Letter from your lender.  Having a Pre-Approval in hand will allow you to make an Offer quickly once you've found the right home, and it gives your Offer credibility. Its common for sellers to expect and frequently require a Pre-Approval letter before they will consider Offer Contracts.

If you think you will be trying to purchase a home in the near future, now is the time to examine your credit report to verify that everything in it is accurate and nothing is negatively impacting your credit score. Here's a well-respected site to learn more about Credit Reports and Scores. You are entitled to a free credit report from each of the three bureaus every year, so feel free to access your personal Credit Report at no cost, and carefully review it to ensure there isn't any innacurate information showing up.

As always, don't hesitate to call us if you find you have further questions!