After you’ve completed all the steps in Part I of the Buying Your First House series, it’s time to hit the streets!  At this point, you should have your credit reports and scores, your maximum monthly payment for a mortgage, and your pre-approval letter from a bank which outlines the maximum you are able to finance.

In most markets, realtor services for the buyer are free, so take advantage of it; their commission comes from the seller.  You are going to want to be honest with your realtor but definitely need someone you can trust.  Ask your family, friends, and co-workers for an agent they trust.

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Buying your first home is probably the most stressful thing you’ll ever have to do.  I am finding I am constantly going back and forth re-tweaking numbers; I wish someone made a list of things to do before even talking to a realtor!  Hopefully you can benefit from this series of articles on how to buy your first home.

Our goal at the end of Part I is to have three numbers:  your credit scores, the maximum monthly mortgage payment you are comfortable with, and a pre-approval letter that has your maximum that is allowed to be financed.

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To everyone baffled by the tons of commercials with singing pirates and catchy jingles, consider this post a public service announcement regarding your credit report.

You are entitled to a one (1) free copy of your Credit Report from each credit reporting agency ANNUALLY by law (1 credit report from each credit reporting agency = 3 reports). The ONLY website authorized to do this is  https://www.annualcreditreport.com.  Everything else is a scam!

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