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Plan Ahead with

Planning ahead is a great way to know what you are looking for in a home. Would you like a condo or a single-family home? How much space do you need? Are you still working from home and need an extra room/office? Would you like to live in the city or the suburbs? Would you like a gated community or an open one? Take a moment to evaluate and answer these questions with your family, this can definitely help to narrow down if you don’t know what to do, or if you have too many options.

Make sure to know the state of your finances. For example, you can use a debt-to-income ratio calculator to know the percentage of income used to pay your debts. Set a budget and decide how much you are willing to put as a down payment. Setting a limit on how much money you would be willing to spend (even on top of the downpayment) given the case of more people wanting to make offers to buy the same property.

Learn about what are the types of mortgage loans available so you can have an idea of what can be of benefit to you in this process. Review several mortgage lenders to see their reputation and customer experience or visit our local Ruoff Lender Jennifer Reynolds. It is really important to have a lender that has a knowledgeable team that will provide you support and answers all your questions.

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