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Tips for Buying a Home

1. Pay Off All Debt and Make No BIG Purchases. - Keep debt low and income high.

2. Determine How Much House You Can Afford -What do you want your monthly payment to be?

3. Save a Down Payment 5-20% -Smaller down payments could be subject to Private Mortgage      Insurance.

4. Save for Closing Costs

-Typically 3-6% of the home value. 

5. Get Pre-approved for a Loan

-Shop around Mortgage companies for the right fit, interest rates, and ask what buyer assistance programs they offer.

6. Determine what you are able to afford.  -Most lenders will compare debt to income ratio to determine how much of a loan you are qualified for. 

7. Research Neighborhoods for Best Fit. -Take a drive-by, pictures, your research.

8. Get a professional Home Inspection ALWAYS

9. Make sure to use a professional Realtor to help guide the way! 

Home Buyer Tips: Services
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