You are getting ready to apply for a home mortgage but don't know where to start? In a nutshell, you will want to pay down your debts to a manageable level, raise your credit score to a 580 minimum, and save toward down payment or closing costs (depending upon eligibility for 100% financing or down payment assistance). Below are a few items and some information you will want to gather now in preparation to applying for a home mortgage.
Some Things to Consider:
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