Buying a home can be a wonderful and confusing time. There are several phases to the home buying process where I can be of help.
If you need financing for your purchase, you will need to contact a lender. You will want to know what you can afford so we look for homes in the right price range. The lender will give you a pre-approval letter that lets us know our shopping guidelines so we can make our strongest offer. There are lending plans for every situation so do not be afraid to discuss your specific needs with a lender. They are bound to keep your information confidential and their job is to help you get qualified.
If you're concerned about your credit scores, you can find where you're at and how to improve your scores at MyFico.com
I can recommend several lenders to you who are very reputable and who deliver documents to the title company on time. National ".com" website lenders and the big banks are not known for ontime closings.
You should always get a Good Faith Estimate of Closing Costs. This estimate will contain a list of costs you will be expected to pay at closing. Sometimes a lender will quote you a very reasonable interest rate but will stack the closing costs with fees that make the effective interest rate much higher. I always recommend speaking to at least two lenders to be sure you are getting a good deal.
This blog post originally appeared at http://activerain.com/blogsview/4322032/buying-a-property-step-1-get-a-pre-approval