Buying Homes Essex County NJ

1. Do's

1.1. Take a hard look at your monthly budget & finances.

1.2. Find out your credit score and pay off your credit cards.

1.3. Speak with a local reputable mortgage lender to discover your purchase power.

1.4. To be considered a series buyer get a mortgage pre-approval before you begin your search.

1.5. Contact a full-time knowledgeable local real estate agent who knows the area.

1.6. Ask your agent to show you market stats.

1.7. Ask your agent to explain the offer process and the time frame.

1.8. Work with a local attorney who specializes in real estate closings.

2. Dont's

2.1. wait to make a large purchase (i.e. a new car) until after you’ve locked in your mortgage.

2.2. Don’t expect your offer to be accepted if you have a contingency.

2.3. Don’t cancel your credit cards before you apply for a mortgage as it alters your credit score.

2.4. Don’t hire a trial lawyer, to represent you.

2.5. Don’t go it alone.

2.6. Reach out to a real estate professional as they will save you time and possible heartbreak while giving you a no-obligation education in the process.