Buying a home is a great way to invest in your future.  Here are a few things to consider:

• Paying cash gives you negotiating power when making an offer on a home.

• You will be able to close the deal faster

• No monthly mortgage payments

• Check with your CPA for tax advantages or disadvantages

• Getting a Mortgage will be easier if you start preparing ahead.

• Mortgage Rates are low – NOW is the time to buy

• Find a Lender who will work with you to help you find the best loan for you. 

• Do I have to have a down-payment?  Yes, but check with your lender to see if there is a down-payment assistance program you qualify for.

• What about my Credit Scores?  Your lender will look at your Credit Report and help you look at ways to bring your scores higher if needed.  Ask for a copy of your Credit Report and make a plan to make it better.  Don’t wait – do that now – before you make a decision on a home to buy.

• Don’t change jobs or make large purchases before you apply for a mortgage.