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Preparing to Buy a Home

February 10, 2016

If this year is your year to buy a home, whether you are currently renting, need to sell a home first, or even just moving out of your parents’ home, there are a number of activities you can do right now that will put you in a great position when you are ready to sign on the dotted line:

  1. Clean up your credit. The first step you can make is to check your credit report and note any areas of concern or issues you need to address. The website: allows consumers to check their credit report at the three big credit agencies: Equifax, TransUnion, and Experian once a year for free.

  2. Check your debt balances. Although a lender will review this with you to determine what you can afford, having your own awareness of your debt situation is a good plan.

  3. Don’t make any large purchases or close any credit accounts before talking to a lender. Even if you only owe $2,000 on your car loan and want to pay it off, I recommend talking about your debt reduction strategy with a lender first.

  4. Prepare your documents. Tax returns, bank statements, proof of assets such as 401Ks and other savings accounts, lien releases, documentation on any late bills or collections that you are working through on your collection report or any other financial documents that may pertain to your getting a loan should be collected and put somewhere where it is easy to find.

A little preparation now will help your transaction go as smoothly as possible. Give me a call or text: (206) 730-0962 or email:  




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