Getting Started

When you are about to start you endeavor to purchase a home. You will want to get your expenses under control. 

Usually when you have a car or student there is not much you can do. But when it comes to your credit cards, its another story. Focus on paying the ones with a larger monthly payment. If you can get rid of smaller ones and bring them to zero that may be the way to go. Try to lower you income-to-debt ration since it can make it impossible to obtain a loan if its too high. 


You ideally want to have as little as possible debt upto 45 day prior to scheduling your appointment with your loan officer.

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