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Steps To Purchasing A Home

Step  1.  Check Your Credit Score 

Step  2. Save For A Down Payment & Closing Cost

Step  3. Determine How Much Home You Can Afford

Step  4. Choose A lender

Step  5. Get Pre-Approved For A Loan

Step  6. Find The Right Realtor

Step  7. Determine Your Priorities

Step  8. Start House Hunting

Step  9. Make A Smart Offer

Step 10. Get A Home Inspection

Step 11. Make Sure The Home Is Appraised

**Use the 28/36 Rule of thumb. You should not spend more than 28% of your gross monthly income on housing expenses and 36% on your total monthly debt payment. 

How To Fix Your Credit

1. Get your credit report

2. Check your credit report for errors

3. Dispute errors in your report​

4. Pay late or past-due accounts

5. Increase your credit limits

6. Pay off high-interest, new credit accounts first​

7. Open a new credit card

8. Pay balances on time

Tips On Purchasing Your Home

 How to Make Your Real Estate Offer Standout

“Start Your Day” Sharon Reed spoke with Realtor Twanja Windley about how to make your real estate offer stand out in this current market.

Home Sweet Home: Tips On Closing Deals

On "Start Your Day", guest hosts Shannon LaNier and Bofta Yimam continue this week's Home Sweet Home series to give viewers the resources they need to help make the best financial decisions in the home process.

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