Tips & Information to do prior to shopping for your home.
In order to prepare our clients before a major purchase like buying a home, we prepare them to be ready.
This is the number one step everybody should take prior to purchasing a home.
The first thing you should do before you go shopping with an a real estate agent for your new home is to get a copy of your credit report and credit score!
As simple as this is, many people miss it.
You can easily obtain a copy of your credit report and score from one or all of the three credit bureaus:
Here is their contact information. .
TransUnion, P.O. Box 2000, Chester, PA. 19022,800-888-4213,www.transunion.com
Equifax, P.O. Box 740256, Atlanta, GA. 30374, 877-784-2528 ,www.equifax.com
Experian, P.O. Box 2104, Allen, TX. 75013, 888-397-3742 ,www.experian.com
Or you may even consider calling us and ordering all three in one credit report to see what each credit bureau is reporting about you.. . we do this for you at no charge.
We will help you review your credit report for any potential problems that needs to be cleared up before you start shopping for your home. You don't want any surprises when you complete your home loan application. So, it's important to be proactive about getting your credit report first.
As you have secured your credit report, the next step for you to consider when preparing to purchase a home is to get pre-approved for your home loan. That's right, get pre-approved for your home loan not pre-qualified, there's a big difference.
We get you in contact with the right people to get this simple process done. There is no need for you to call every add or postcard from loan officers.. .we already work with the best people out there. We better or our business suffer. . that is the value we provide our client base.
Getting fully-approved for your home loan before buying gives you the upper hand. .it means that you have obtained approval from your chosen lender to pay a certain amount for the home you are about to purchase.
If you're interested in purchasing a home now, it is normally recommended that you have your own buyer's agent representing your own interests and not the agent who represents the other side. .the seller!
Let me humbly offer you our services to you. Our professional buyer agents we have in Herboso & Associates are eager to find someone like you to WOW them with our services.
Fernando Herboso (Broker)
Herboso & Associates
267 Kentlands Blvd
Gaithersburg , MD 20878