When you are getting ready to buy your first home, it can truly feel overwhelming. But in today’s market, you can get a lot more for your money then just 10 years ago. Just take a deep breath, and make sure you cross all your t’s and dot your i’s and you will have smooth sailing as you find your dream home.

The next thing you should focus on is paying off your debt. This will not only allow you to have confidence that you can pay your mortgage off each month, but also eliminates expensive credit-card debt. Most people have a higher rate on credit cards then for a mortgage, and it also limits how much you can borrow to buy your home. Make sure that for at least the past year, each and every bill has been paid in full and on time.

Next, figure out what you want in a home. Are schools important to you? Perhaps you require [Read more…]