Now you get to start looking at houses!!

You will have a pre-approval or a pre-qualification in your hands when you meet me after you have been to the lenders. A pre-approval means they have checked your credit and will most likely give you the money once we find "The House of your dreams". A pre-qualification means they have taken your information and have yet to check your credit but if all the infomation that you gave them is correct, they will most likely give you the loan. You need to sit and talk with the co-buyer and discuss what it is you want in a house. Sounds easy. Do you want new or older, how many bedrooms do you have to have and how many do you want to have? How many bath rooms can you get by with, more will be more costly. Can you do work on a home, and if so how much--repaint, rebuild or fix up. Do you have friends or relatives that have these skills? Will they help you and are they available to help you? How big a garage do you want? Need or want a basement? Will you keep this one or sell it when you need a bigger house. (That can make a difference on how you finance it, how long you finance it for and what you do to that first house.) These are questions that will have to have some answers or thought. Also it needs to be decided if you want a condo, a duplex where you own one side or both, or a house. Income property or not? Once these questions have answers, we will compile a list of homes to go look at. You can pick some and I will pick some and I will make appointments--usually 24 hours before we show them. We must have appointments for all the homes we show. We are almost on to the fun stuff--looking at homes.