Laguna Niguel Homes

Assess Your Finances

Prepare to meet with a lender

Avoid major purchases before buying a home

Keep your money in one place

Closings costs

Down payment

Get pre-approved

Avoid major purchases before buying a home

You’ll want to avoid making any major purchases before buying a home. Be patient, have self-discipline and wait until after you have bought your home. Don’t buy a car, major appliances, furniture, vacations, or anything that could create debt right before you go meet a lender for pre-approval. Don’t apply for any credit cards. Every time you apply for credit somewhere, that deducts point(s) from your FICO score. Your FICO score will directly affect what interest rate and loan amount you can qualify for.

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Written By Shan Roberts