Eight Steps To Getting Your Finances In Order

1. Develop a family budget. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected … Continue reading →

Budget Basics Work Sheet

The first step in getting yourself in financial shape to buy a home is to know what you make and what you spend now. List your income and expenses below. Monthly Income $$$ Take home pay of all family members … Continue reading →

Eight Ways To Improve Your Credit

Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for. 1. Check for and correct errors in your credit … Continue reading →

Five Factors That Decide Your Credit Score

Scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score. 1. Your payment history. Whether you paid credit card obligations on time. 2. How much you owe. Owing … Continue reading →

Your Property Wish List

While your opinions on the type of home you want to own may change during the home buying process, use this easy checklist to help you set your prioritize and make the shopping process less time consuming. How close do … Continue reading →

Tips For Finding The Perfect Neighborhood

The neighborhood you choose can have a big impact on your lifestyle – safety, available amenities, and convenience all play their part. Make a list of the activities – movies, health club, church – you engage in regularly and stores … Continue reading →

Tips On Buying In A Tight Market

Increase your chances of getting your dream house instead of losing it to another buyer, with these easy steps. Get pre-approved for a mortgage. In this way, you’ll be able to make a firm commitment to buy and make your … Continue reading →