Food for thought: With challenge comes opportunity.  In today’s challenging real-estate market, buyer’s have the opportunity to make the American dream of homeownership your own. Here are just a few tips to ensure you are on the right track for homeownership:

• BE SMART: Sounds simple right?  However it is easy to charge a new purchase on a credit card or to forget to pay that bill on time.  In reality, a late payment can hurt your credit score & large purchases can hinder your ability to secure a loan. Take the time to label the difference between your  “wants” & your “needs”.  It could mean the difference between homeowner or renter.

• BE ORGANIZED:  If you know you are in the market for a new home, the very 1^st step is get  pre-qualified for a mortgage.  This will eliminate the potential of “falling in love” with a house you cannot afford. Don’t know any lenders? Contact me today for a reputable referral!

• BE REPRESENTED:  Remember the agent listed on the sign in front of your dream-home represents the SELLER, & not you.  Having your own representation is a smart move. Contact me to discuss your specific needs from contract to closing.