Check Your Credit
Buying a home takes preparation and having good credit scores will make all the difference.
Lenders like to see credit scores above 640 and higher credit scores make it easier to qualify for the lowest interest rates which will make your purchase more affordable.
You’ll need savings to buy a home and you will need to prove to a lender that you can afford housing payments. Buyers should expect to pay between 3.5%-4% of the purchase price of the home. Buying a home also has closing costs but closing costs can be negotiated with sellers.
Consult a Lender
Contact a lender and find out where you stand on getting a mortgage. This can help you take the steps needed to improve your situation.
Buy with Jenny Ramirez
Real estate transactions can be overwhelming and complex. Hire an agent with experience in loan origination and processing. If you are buying a home, it’s important to have a buyers agent represent your interests.
Unfortunately, some buyers think that going directly to the listing agent will save them money on their purchases. Remember, Seller always pays the commission in the sale which is split between the seller’s agent and buyers agent. The listing agent works for the seller, not the buyer.
What sets Jenny Ramirez apart?
- Experience as loan originator and processor.
- Years of marketing, sales, and contract negotiations.
- Full-Time Realtor with over 10 years of Real Estate Industry experience.
- My clients can reach me 24/7