Getting Yourself Ready To Be A FIRST TIME HOMEBUYER:

• Get pre-qualified & pre-approved by a loan officer
• Have the necessary funds in your checking account to write an initial earnest money check
• If you are receiving a “gift letter” for a portion of your down payment, be sure to have the money transferred to your savings account
• Pay balances on revolving credit cards (and do not apply for any new ones!)
• Do not make big purchases prior to getting loan approval and closing on your new home
• Be aware of the dates you can move (Do you have a lease? Are these dates flexible?)