The first thing you need to do is give me a call at 678-805-SOLD.
The next step is often overlooked but is SO IMPORTANT!! >>>CONTACT A LENDER!!
Many people think this is an unnecessary step this early in the game but it is ESSENTIAL. Imagine this….We go at look at houses and you find one you absolutely love for $260,000 and then you find out after that you can only get approved for $180,000. Your hopes will be completely dashed. So many clients don’t realize what state their credit and finances are like. You must know how much house you can afford and what your monthly payments will look like. You will not be able to place an offer on most homes without it. Sellers want to know that you are serious about purchasing their home.
Now don’t misunderstand that if you get a pre-approval letter you are definitely and absolutely able to purchase a home. It is a PRE approval..meaning they are going to take a brief look at your credit and finances to determine if you are eligible. Many people have the tendency to skew things slightly to their benefit but in the end you will have to show documentation for everything (ie ..check stubs, tax returns). If you are upfront in the beginning then most people don’t have an issue.
The home buying process can be scary and exciting all at the same time. You need to make sure that you have a Realtor, like myself, that is knowledgeable and informed about the process and today’s market.
If you’re not sure where to find a lender contact Leslene at 678-805-SOLD (7653). I can recommend a lender to you.