First time home buyer

Are you ready?

Let’s get the ducks in a row. A mortgage lender is going to look at your job history. He or she will also look at your current debts, car payment etc and your credit history. Do you stick to a budget? Do you have a down payment?  Do have a savings account enough to make the payments on your home for six months or more in the event of on unforeseen event? Are your debts manageable? Have a house payment amount in mind that is comfortable for you, you can always pay more on the mortgage to pay your home off quicker. Bad news to have an unmanageable high payment.

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