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Two major items home buyers need to think about before contacting a realtor.

Couple on Computer

Many people find it useful to have a checklist and on any good checklist these 2 items should be the first items on that list. as they are essential to getting the ball rolling on your dream of home ownership.

The 2 major items a potential home shopper needs to begin to think about before contacting a realtor is to:

1. Determine how your credit looks.

Luckily in this computer age there are many ways for us to easily and quickly check our credit ad credit scores. There are multiple sites out there to check your credit for free.

Two that we like are www.freecreditreport.com and www.creditkarma.com . If you have a credit score below 640 you may want to dive deeper into your report to see if there are opportunities to increase that score. Ways to that would be by dispute errors if there are any with the credit bureaus, make sure you are current with all monthly payments, and reduce debt where possible.

2. Get a pre-approval from a mortgage professional.

Once you know about your credit you should contact a mortgage professional and work on a pre-approval. But don’t just pick any mortgage professional as they are not all created equal. Do your research so that you can feel confident that the person you pick is knowledgeable and will take care of you as if they were buying their own home. Happy shopping!!!

If you have any questions about either of these items, please reach out to us today. We are happy to answer any questions.

Carrie loves people and numbers! Carrie has worked in financial services since she graduated from Iowa State with a degree in Finance. She enjoys connecting with new people and developing relationships to foster business and promoting other people. She is an active runner, golfer, enjoys reading, traveling, family, friends, meme sharing, comedy, anything Warren Buffett related and following the markets and investing. Carrie is happiest surrounded by family and dear friends including her boyfriend Mike and his two children most likely laughing or telling stories .

Carrie is also an adult living with Cystic Fibrosis – diagnosed when she was three months old. Cystic fibrosis is a progressive, genetic disease that causes persistent lung infections and limits the ability to breathe over time.

In people with CF, mutations in the cystic fibrosis transmembrane conductance regulator (CFTR) gene cause the CFTR protein to become dysfunctional. When the protein is not working correctly, it’s unable to help move chloride — a component of salt — to the cell surface. Without the chloride to attract water to the cell surface, the mucus in various organs becomes thick and sticky. In the lungs, the mucus clogs the airways and traps germs, like bacteria, leading to infections, inflammation, respiratory failure, and other complications. For every loan I close with Clear Mortgage, I will be donating $200 to the Cystic Fibrosis Foundation, Iowa Chapter. Reach out and apply now!

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