That means determining how much money you can raise for your down payment and how much you can afford to pay on a monthly basis. Go to a lender to find out the size of mortgage you qualify for and get pre-approved. Better yet, use a mortgage broker to find you the best mortgage rate possible. When calculating the costs of home ownership, remember to plan for homeowner's insurance, property taxes, private mortgage insurance (if required), utilities, repairs, and maintenance.

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Free Annual Credit Reports

Eligibility for an annual free credit report is determined by your state of residence based on the rollout schedule set by federal law.

Tienes Mal Credito? La Solucion Esta en Tus Manos.

Los malos antecedentes crediticios pueden perseguirte por largo tiempo — siete aos o aun mas. Por esta razon, lo mejor que puedes hacer es aprender a mantener un buen historial de credito antes de que se presente un problema. Si bien al principio puede llegar a parecerte complicado, se va haciendo mas facil una vez que entiendas los conceptos basicos del credito y la manera en que funciona.

Buying

Buying real estate is a complex matter and can be especially confusing for the first-time homebuyer. Do yourself a favor and learn as much about the process as you can before you begin. There are plenty of resources on the Internet, and most real estate offices will have pamphlets to explain things in plain language. You may also be able to research the real estate process by attending community-sponsored classes, or you can take a look at books like Home Buying For Dummies by Eric Tyson and Ray Brown, (IDG Books Worldwide, Inc.)

Selling

Get the inside scoop on selling a home.  Look instantly your Home's value for Free, Call me if you have any questions about CMA, FSBOs, tax implications, seller financing, inspections, open houses and more.

Muchas Gracias

Jorge Luis Rodriguez