1. Determine how much house you can afford.
What is your gross annual income?
How much outstanding debt do you have?
What is your credit score?
If you do not know your credit history, request your credit report.
2. Determine eligibility for down payment assistance.
Attend a Homebuyer’s Education Class.
Which program is best for you?
3. Meet with a lender to pre-qualify for a mortgage loan.
If not mortgage ready, work on existing credit score and reducing debt.
4. Call Bill Edge at 713-240-2949
5. Complete the loan application.
6. Conduct inspection on home.
If using down payment assistance, ALL repairs per inspection report MUST BE COMPLETED before closing!!
7. CLOSE ON YOUR HOME!!!!!!