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The new year is approaching and if you are wanting to buy a home in 2019, now is time to get prepared. Many times, we put the cart before the horse and we want to start looking for our dream home without getting our ducks in a row first. We understand how important the process of homeownership is and educating our home buyers is an essential part of that process. Ready to start lining up those aforementioned ducks? Here we go…

KNOW YOUR CREDIT SCORE

They say that knowing is half the battle, so it is important to not only know your credit score but understand it. If you have a low credit score, obtaining a mortgage loan can be more difficult because you are considered a risk, however, many times just conducting a little clean up on your credit can increase your credit score in a short period of time. Although apps like Credit Karma can give you a general idea of your credit score, it is best to go straight to the source of your score.  Companies like TransUnion and Experian are the most trustworthy when you need a real-time look at your score. So, if homeownership is your dream, getting your credit situated is the first place to start.