The first consideration you must face is whether or not you are ready to qualify for a mortgage. You may be ready to qualify if:

• Your credit score is healthy

• You have had consistent income for up to two years

• You have the cash to place a 5% - 20% down payment

If you seem to fit the bill, great! If not, no worries. This is a process and sometimes we have to work toward being financially fit before we go after our dream of home ownership. With that being said, here is a high level, step by step process to finding and obtaining the right mortgage for you:

1. Credit check - is your credit score on point?

2. Find your lender - can you trust them to provide you with the best options?

3. The magic number - how much can and should you afford? In other words, what loan amount should you seek?

4. The right fit - explore and decide on the right mortgage for you.

5. Documents - collect and organize all documentation needed by your lender

6. Paperwork - get it signed and get house shopping!

This process is confusing, and as your agent I can help you navigate through the process. If at any point you would like to talk about finding the right mortgage, please reach out to me directly.