I don't know anything when it comes to buying a house, so I want step by step instructions to follow.
I really don't think I have the best credit, so I would really like to know what my options are.
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Hello Linda,
Thanks for visiting my website and asking me a question. I see you live in Michigan. So do I!! I live in Flint.
Ok, in regards to your question. You mentioned that you are not sure if you have good credit or not.
That is the first step. You can save yourself some time by looking at your credit first. You may want to go by my page free credit scores and read it over. It explains how to get a copy of your report.
If your credit is not in good shape, you may need to think about checking out my credit repair tips page for details how to do that.
Now, if your credit score is say 620 or above, then chances are you can begin looking for a mortgage. Go ahead and look at the page first time home buyer programs to discover what some of your options are.
Once you have been pre-approved for a mortgage, now you will know how much home you can afford. Then you will want to find a real estate agent.
Have her give you a list of homes in your price range and then go do a drive by. If you like what you see, make an appointment to go inside. After all, you have to like the outside first right?
That should get you started. Do not hesitate to ask more questions. Also be sure and get a copy of my FREE Guide"10 Critical Steps for First Time Home Buyers".
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Understanding how credit scores work is the beginning of the mortgage process. Know your credit scores before you apply for a mortgage. Many free details found on this page.
