Decide To Buy.
Are you ready to buy a home? Ask yourself these questions:

• What are your personal reasons: growing family, want to move closer to work or school?
• How long do you plan to own this home?
• Do you have enough cash for a down payment, closing and moving costs?
• Can you afford to carry a monthly mortgage and still pay your bills?

Get Organized.
It pays to get organized. Put your finances in order, get pre-approved for a loan, and you will know what you can afford to buy.

• Credit data: Check your credit and correct any credit problems you may have before the lender gets your credit report.
• Insurance Information: Choose insurance wisely and cut your insurance costs.
• Get Pre-Approved: Gives you an estimate of how much you can borrow and puts you in a better position to buy.