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Setting Your Homebuying Goals For the New Year

2022 is nearly here. Is it one of your New Year?s resolutions to buy a home? We certainly understand the dream of homeownership, especially after the topsy-turvy year we just had. But what do you need to do to set yourself up for success? What goals should you make so that you?re able to turn your dream into reality next year? Here?s what you should know.

Controle su crédito

One of the most important things you can do to set yourself up for homebuying success in 2022 is to get a handle on your credit. Order a copy of your reporte de crédito and check it for errors. If you find any, determine what you need to do to hacer que los eliminen. Then start working on improving your credit score. The better your score, the more likely you will qualify for a loan and the better terms you?ll get.

Pay down debts

One of the ways that you can improve your credit score is to pay down debt. This also frees up money that you can then put towards monthly payments on a home. There are many strategies for paying off debt, but it can be helpful to begin with your debts that have the highest interest rates. Also, work on paying off credit cards that are almost maxed out to increase your available credit.

Hold off on large purchases

While you?re paying off your debts you should also hold off on making any large purchases. Taking out new lines of credit before you apply for a home loan can hurt your chances of qualifying for a mortgage. So if you?ve been thinking about buying a car or taking a vacation, it might be better to wait.

Know what you can afford

Once you?ve got a handle on your credit and have paid down some of your debt, find out how much house you can actually afford. This will help you to target your home search from the very beginning. It can be heartwrenching to get set on a home you can?t really afford. Do yourself a favor by only searching for homes that are within your budget.

Know what you?re looking for

Before you begin looking for a new home in 2022, you need to know what you?re looking for. How many bedrooms do you need? Do you want a big backyard? Do you want to be close to the action or would you enjoy the quiet of the suburbs? It?s much easier to search for a home when you know which homes fit your needs and which ones don?t.

Obtenga una aprobación previa para una hipoteca

Finally, it?s important to get preaprobado para una hipoteca before you begin touring homes. As a buyer, you?ll need to move fast in today?s market. You may also face fierce competition from other buyers. Sellers will not take your offer seriously if you aren?t pre-approved for a mortgage.

Póngase en contacto con Agent inc. hoy

Are you ready to become a proud new homeowner in 2022? Then contact Agente inc. al 949-791-8160 o [email protected]. Let?s open your world to new possibilities!

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