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1st Time Buyers: First Steps to Purchasing a Northern KY Home
I've had numerous calls over the years from first time Northern Kentucky and Cincinnati Ohio home buyers that want to know how to get started on the path to purchasing a new home, so I’ve written this article to help new buyers better understand just where they need to focus first.  The interesting point, is that it is NOT focusing on the home first!
 FIRST THINGS FIRST – Getting your pre-approval letter
What most first time home buyers don’t realize is that the first step to home ownership is actually NOT searching for their dream home, but getting pre-approved for a loan instead.  That may be a contradiction to what you think should happen first, but without this crucial step, you may not be focusing in on the right type of property search.
A pre-approval provides you with the necessary guidelines for your property search.  It will tell you what price range you can afford, gives you the necessary credentials in order to place a proper offer to the seller and will help to streamline your entire home search process.  If you don't go through this initial pre-approval stage first, you will always be kicked back to it later because in this market, ... more

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