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  The best way to improve your credit score will depend on your individual situation.  But here are some great tips: 1.  Whatever you do, the most important thing is to make sure you don’t get any collections.  Setup automatic payments for utilities if you can, and make sure your checking balance will continually cover…

1.  Assuming you qualify, or don’t qualify, for a loan.   There are many things we consider when determining whether to lend to a potential home buyer.  What you read in the newspaper regarding requirements is not necessarily true.  What one loan officer tells you is their policy, is not necessarily the universal policy for…

After you purchase your home, you’re going to start receiving annual property tax bills.  A copy of the bill will also be sent to your lender if you are escrowing your property taxes.  Many people, when seeing their assessments rise, will want to appeal their taxes.  Most jurisdictions will want you to appeal within 30-45…

1. Photo ID 2. A month’s worth of paystubs if applicable 3. Two years of federal tax returns and W2s or 1099s 4. Two month’s worth of bank statements or investment accounts.  If you receive quarterly statements, the last quarterly statement is fine.

You and the agent you are working with do not want to spend time looking in the wrong price range.  Or, if you need credit repair, you and the agent wouldn’t want to look at inventory now when you won’t be ready to purchase for another few months.   The first step to a pre-approval…