The first two steps in the process include getting in contact with a good loan officer & setting up a meeting with me at a time most convenient for you. I have several ethical loan officers to refer you to-name YOUR bank and I will send you a quality contact. Prior to actually looking, you will want to get the financial picture sorted out. We want to look at homes that are well within your comfort zone. A good lender will lead you down the right path and help you figure out how much house is too much house-for lack of a better phrase. You will want to calculate your monthly bills and figure out what is comfortable for YOU-disregard what the bank will pre-approve you for. You are the one paying the bills, right? Finally, sit down with all decision makers and your loan officer and start the pre-approval process, so we are fully prepared with sufficient ammo when it comes time to write an offer :)
FIRST TIME HOME-BUYERS Notice: Most first time buyers don't know that YOU pay no commission for my services-the seller does! JOY!
I'm happy to work with you whether you are buying in the next few months or up to a year away :) THANKS for considering making me your Realtor~Stay Warm!