First home buyers

HELGA LOZANO

You have decided that it was time to buy your first home! And now? Where should you start? The first thing you have to do is surround yourself with professionals with experience and a good reputation. Don’t base your decision on what you’ve heard out there. This should be a wonderful experience for you and doing things right from the beginning will help make it happen! The first step is to verify that your finances are in order. How have you managed your credit? Are you up to date on your payments? Do you know your credit score? Is your score enough to get a loan with good interest? It is important that you

speak with a loan officer (lender) so you know the answers. Your Realtor, or real estate agent, can give you information about reputable lenders with whom he has worked and know that they will give you good attention and above all, a fair and honest deal. Once the loan officer analyzes your situation, he can give you recommendations of what to do if you have to improve your score, or meet conditions that make it possible for you to obtain financing. If everything is ready, your Realtor starts with you the process of searching for your house. How much was your loan approved? In what

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area of the city do you want to live? What is most important to you right now? Your children’s school? The proximity to your work? Is this the community in which you really should invest? It is here that the experience, integrity and honesty of your Realtor are important. If you have any questions, do not hesitate to contact me at my cell phone 713-515-4642 or by email hplozano@yahoo.com. Always with you from the beginning of your process, until you finish it and beyond!