If the numbers don’t add up or something feels off, walk away. Buying a home is emotional, but it’s also a financial decision. The right one is still out there.

Pay all bills on time for at least six months before applying for a loan. A strong payment history helps protect your credit score and strengthens your mortgage approval.

Make sure to test your commute to work or school at the actual time you’d be driving.  It’s a simple step that can make or break your long-term satisfaction.

Mortgage Tip: Review your credit mix before applying for a loan. A variety of responsible credit accounts can improve your profile and may help you qualify for better terms. 

Showings bring foot traffic through your home. Always lock away valuables and prescriptions before buyers arrive to keep everything safe and secure. 

Review your credit utilization rate before applying. Lenders prefer to see you using less than thirty percent of your available credit, which can strengthen your credit score and improve your loan options.                                                                               

It’s hard to let go of a place full of memories, but detaching helps you move forward with clarity. Treat your home like the investment it is and trust the process to get top dollar.

Keep your accounts steady while your loan is being reviewed. Lenders verify all financial activity, so check with your lender before making deposits, withdrawals, or transfers to keep your mortgage approval on track. 

Tips Tuesday for Sellers:  Saying yes to more showings means more eyes on your home. A little flexibility can go a long way toward attracting the right buyer and getting sold sooner.

Ask your lender if your loan includes a prepayment penalty for paying off or refinancing early. Confirm the details with your lender to avoid unexpected costs and understand the terms before you sign