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- Make sure your credit history is correct. One out of four has incorrect
information on it. Make sure you order your credit report from each
credit bureau. One of them had all the correct information for me.
Another had 14 accounts that belonged to my father. The other one had
two accounts that belonged to my father.
- Get pre-approved for a mortgage. Do a sanity check on the amount they
approve you for. If you bought a house at the maximum that a lender
would approve you for, odds are you wouldn't have enough money for
the little things ... like FOOD!!! In other words, subtract at least
10% of the amount the lender approves you for.
- Start looking for a house in your price range. Do NOT look at houses
above your price range. Trust me ... you'll get frustrated.
- When you find a house you like, keep looking for a couple of days at
least. Don't let an agent or the homeowner pressure you into signing
a contract immediately. If you still like the house after looking at
others that were similar, go ahead and make an offer. Make sure you
leave yourself a way out of the contract ... such as pending favorable
home inspection, financing, etc.
- Make sure you keep checking the mortgage interest rates. If they drop,
most lenders will allow you at least one free float down before closing.
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