Research and select a knowledgeable and patient local Realtor that is supported by a strong team that includes dedicated Lenders, Title and Inspection Professionals.1 Create or modify a manageable home buying budget focused on your ability to afford home ownership and know your time line. Review your debt-to-income ratio to determine how much home you can comfortably afford. Obtain your current credit rating and analyze if there are actions you can take to make improvements. Ask your Realtor about down payments , Closing Cost ,Appraisals and inspection cost and how best to prepare2 Gather all home purchase required documents such as W2 forms, Tax returns , 2 months of bank statements , Military status records and employment records download to an updateable file for easy access.3 Evaluate and compare your Familys needs to the communities of interest Schools , Activities , Parks and out door , Shopping and travel access to work.Neal Brown your Neighborhood Realtor Making Service First
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