Buying a Home With a Mortgage? 

Whether you're a first time home buyer or a seasoned home owner looking to sell and buy, buying a home is EXCITING... and we get it.  There are very few things more exciting than purchasing a home.

But, before you go racing down the track...  slow down for a second.   There are a few things you need to know.  Well, there are MANY things you need to know but these are very important and many times aren't mentioned until it's too late.  They are called “The Ten Commandments of Buying a Home.”

Read them. Absorb them. Burn them into your memory, because one tiny miss-step can make your dream of buying a home come crashing down like a sandcastle at high tide.

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The Ten Commandments of Buying a Home

1. Thou shalt not change jobs, become self-employed or quit your job.
2. Thou shalt not buy a car, truck or van (or you may be living in it!).
3. Thou shalt not use credit cards excessively or let current accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture on credit.
7. Thou shalt not originate any inquiries into your credit.
8. Thou shalt not make large deposits without checking with your loan officer.
9. Thou shalt not change bank accounts.
10. Thou shalt not co-sign a loan for anyone.

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When it comes to anything that touches your finances or credit score, you can't be too careful.   If you're not sure how your lender's underwriters will react to something you want to do.... contact your lender before doing it.  Don't put buying a home at risk.