Wow its a new year. Its 2012!!!
May everyone have God Blessesd 2012.
With a new year it bring changes, at least it should bring changes.
If you are considering purchasing a home this year, take the steps now to prepare.
Step one: Pull a copy of your credit. You can use agencies such as Free credit.com or talk to a loan officer.
Step two: Review your credit for descrepencies. Check for open balances that were previously paid off that continues to show an open balance. Also check credit lines that may not belong to you. If you find any balances that were previously paid, contact the credit bureaes and dispute the balances.
Step Three: Save money, if you are planning on obtaining an FHA loan, you will need 3.5% of the purchase price.
Step four: This is critical, plan a budget plan. Track you spending. Keep all your reciepts and review them at the end of the month and try to elimnate careless spending.
Step five: If you have open revolving credit, try to reduce the balances. Do not open any other credit lines, do not go out and buy a new car.
Hope this help.
If you need additional information, please feel free to call.
Thank you,
Ainsley Daux
Florida Realty
(813)546-1954
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