TomsTHOT: Raisin cookies that look like chocolate chip cookies are the main reason I have trust issues.
TomsTHOT: BLF (Before Lady-friend) I didn’t know there was a wrong way to put milk back in the refrigerator.
TomsTHOT: I wonder how the size of hail was described before the game of golf was invented?
TomsTHOT: Yesterday my bank account was hacked. He was so disappointed he started a Go Fund Me page.
TomsTHOT: Every knows Hillary Clinton is a World-class liar. But what is the most common lie? “I’ve read and agree to the terms and conditions.”
TomsTHOT: A government big enough to give you everything you want, is Strong enough to take everything You have. — Thomas Jefferson
“It’s not far, if you know the way.” What this expression implies is that you could have a long way to go if you don’t know where you’re going or how to get there. Just like reading a map, there are some definite steps that will improve your success in buying a home in today’s market.
- Know your credit score – the best mortgage rates are available to borrowers with the highest scores. Unless you know what your credit score is at all three major credit bureaus, you don’t really know what rate you’ll have to pay.
- Clean up your credit – it is estimated that about 90% of credit reports have errors. Some are not serious but others could affect a borrower from getting the loan they want. It is your responsibility to know what is on your different reports and correct them if possible. You’re entitled to a free copy of your credit report each year from Experian, Trans Union and Equifax.
- Get pre-approved – Taking the time to make a loan application with a qualified lender even before you start looking at homes will provide peace of mind, make sure that you are looking at the “right” homes and may help you negotiate the best price on the home you select.
- Do your homework – when you find the home that meets your needs and desires, get the home inspected and research the tax assessments, school ratings, crime activity, possible zoning changes and comparable sales in the area.
Call for a recommendation of a trusted mortgage professional and an inspector.