Hola mi nombre es Ines Morales ,soy realtor me apasiona servir y ver a mi gente ganar , elegí ser realtor porque creo que una de las decisiones más importantes que podemos hacer es
What Not To Do Before You Buy A Home Unless You Are Paying Cash
For most people the purchase of a home involves obtaining a mortgage which, these days, requires a pretty good credit rating. But keep in mind that a pre-approval is in no way a guarantee for a loan approval. We must be very careful about our spending and purchasing habits to ensure that we have the best possible chance of actually securing a loan. Here is what NOT to do before you purchase a home:
1. DO NOT BUY A NEW CAR
No further explanations necessary, just don't do it!
2. DO NOT GO CREDIT CRAZY
Don't run up your credit cards buying furniture for your new home or for any other purpose. Becareful even with minor purchases as they could effect your credit score and your ability to secure a home loan.
3. DO NOT SHUFFLE YOUR MONEY AROUND
Do not make any unusual deposits or withdrawls from your bank accounts. This may raise redflags when trying to secure a loan.
4. DO NOT GET BEHIND ON PAYING YOUR BILLS
Late payments on your financial obligations can be devastating to your credit and your ability to secure a loan. You want to be able to show that you are worthy of the home loan and that you are reliable.
5. DO NOT CO-SIGN LOANS FOR ANYONE
You want to buy a home but your younger sibling wants to buy a new car and needs someone to co-sign. As much as you may love them, if you want that home, don't do it!
6. DO NOT QUIT YOUR JOB
You want to make a career change. But if you want to buy a home, don't do it before your loan is approved and you have moved in and made a few mortgage payments!
Follow these simple guidelines and your loan is more likely to be approved and you will be able to move in to your new home.
Please do not hesitate to contact me withany questions. I know of a great finance manager who can advise you on your way to securing a loan and I know several wonderful loan professionals if you are ready to move on to get pre-approved for a home loan.
This is an exciting time to buy a home, call me to get started.
TrustedReal Estate Consultant
LuxuryHome Auction Specialist
407Wekiva Springs Rd. Suite 115
My work with La Rosa Realty covers residential and commercial sales while also working with Platinum Luxury Auctions in Miami to bring non-distressed, luxury properties to auction valued at upwards of....