Buying a home is one of life's most worthwhile endeavors! Home ownership is part of the American Dream. There are many benefits to owning your own home for you, your family and the community in which you live. 

In addition, buying real estate can help you build your financial future. Although there is reward in owning a home, it is a process that will require knowledge in order to get the best deal possible and avoid  pitfalls that could be costly.

We have outlined the steps needed for you to have a successful experience when you purchase your home. Happy home shopping!

Credit reports are kept by the three major credit agencies, Experian, Equifax, and TransUnion. They show whether you are habitually late with payments and whether you have run into serious credit problems in the past. This is one of the tools used by mortgage companies and banks in determining if your are a worthwhile credit risk to loan money to.
Did you know that you have the RIGHT to have GOOD CREDIT?
A credit score is a number calculated from a formula created by Fair Isaac based on the information in your credit report. You have three different credit scores, one for each of your credit reports.

A low credit score may hurt your chances for getting the best interest rate, or getting financing at all. So get a copy of your reports and know your credit scores. Try Fair Isaac's MyFICO.com.
Step One: Start with Your Credit