It’s an exciting time as you take that step of buying your first home. Sometimes the process may seem overwhelming, that’s why Scotia Living has prepared some information for you to know as you get ready to finally become a homeowner.
- SAVE
- Probably the most important step to owning your first home. SAVE UP!
- IMPROVE CREDIT SCORE – the three credit bureaus (Equifax, Experian and Transunion) are each required to give you a free credit report once a year)
- Stay current on bills
- No major purchases prior to applying for a mortgage
- Don’t cancel any credit cards
- Higher credit score = lower interest rate
- CALCULATE WHAT YOU CAN AFFORD
- Click here to get a reality check on what you’re actually spending every month
- Click here to find out how much house you can afford
- GET MORTGAGE PRE-APPROVAL
- Scotia Living has made this simple by having an approved lender for you to use if that’s what you choose. Visit the financing page on our website for more information.
- DECIDE WHAT YOU WANT IN A HOME
- Click here for a new home wishlist
- VISIT HOMES And NARROW YOUR CHOICE
- Take a tour of the homes at Scotia.
- Take photos, make notes and determine which floor plan works best for your family
- MAKE AN OFFER
- Meet with Doug McCorkle, our Real Estate Marketing Manager, and make an offer on your first home. He’ll take your through the steps to close your new home.
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