One of the most helpful things you can do when buying a home is to get pre-qualified. This way, you can really focus on the place you want to live in and can afford, instead of worrying about mortgage rates. It is important to have a clean credit record when you are going into buying a new place to live because you can save thousands. Try to limit the number of debt by paying off credit cards and the number of mistakes in your credit by monitoring your credit. Get your credit report from all of the three credit bureaus and cross reference them for accuracy. You may not know this but you are eligible for a free credit report at least once a year, also every time you apply for a credit card you can request a copy for your review. There are numerous books available on this topic. All of this is important because a good credit can save you thousands of dollars on your loan.
There is also a relatively new kind of service that’s become more widely available on the market – For Sale By Owner or FSBO for short. This kind of service is often more time consuming but is good choice for people that want to save money. It’s a good alternative for investors and people who have more time to find a house. Internet is the best tool and has a tone of information available at a click of a mouse, from mortgages to house listings.
Finally, take full advantage of real-estate agent if you hired one, as they are professionals and are there to help you.