Buying Below are some preparations you can make prior to contacting an agent. You can also contact me at any time and I can guide you through the entire process as well. Buying a Home Tips Click here to view my services. Get a copy of your credit report and correct any errors. Reduce your consumer debt - pay down credit card balances. Assemble a cash down payment. Determine how much you can afford to pay for a home. Decide how much you are willing to spend for a home (different from how much you can afford). Get familiar with basic mortgage terms. Shop for a mortgage loan on the Internet. Get pre-approved or at least pre-qualified for a mortgage loan. Investigate neighborhoods where you want to look for a house. Consider neighborhood school quality and crime rates. Select two or three neighborhoods that meet your requirements. Try a search on my website and view the featured homes. Get your help in evaluating the asking price of homes you like. Contact me for more help and personal recommendations.