Your credit score at 700+ is a great first step. You will need to have atleast one or two open trade lines, meaning an active credit card account, car loan, etc..
For specific financing and mortgage qualifications, you should contact:
Edward Dubinsky at Absolute Home Mortgage
(215) 808-5353 or e-mail: firstname.lastname@example.org.
He is my GO TO mortgage guy. He will be very upfront and honest with you. He will tell you where you stand and what you can do to better position yourself to purchase a home with the best available mortgage program with the best rates and terms. Feel free to contact Ed with all your questions and concerns.
When you are ready to start your home search. Please feel free to call me anytime. It would be a pleasure to help you find your next great home and negotiate a good price and terms for you.
Looking forward to speaking to you soon. Have a great weekend.
All the best,
Larry Lichtman, CNE
REALTOR, Property Manager
Your Real estate Resource For Life
Cell/Text: (267) 254-7994
Web Site: edubinsky.ahmcloans.com
See me more about me: http://www.linkedin.com/pub/ed-dubinsky/1a/b89/841
You can begin your search as of today, or sooner if that's possible. It's good to hear how sensible an approach you have taken from the start so that you will not be disappointed when you find your perfect dream home. I would advise you to shop around for a great mortgage rate. I WOULD LOVE TO HELP YOU in both areas,
Please do give me a call or email me
There is no need to wait. There is not a history of your past credit scores.
I wouldn't wait. I would decide on the Realtor you would like to work with, if you haven't already, and begin touring homes.
If you are still interviewing brokers, I would love to throw my hat in the ring. I am an Associate Broker who represents fine properties in various price ranges. I DO work in Exton and the surrounding area if that is where you are looking.
I am an experienced (& successful!) negotiator and am knowledgable re: the inspection process, financing, closing, etc. Plus I'm fun to go out with, since we'll be spending a lot of time together over the next couple months!
Lastly, don't wait because prices are rising and the interest rates are still low.
Eric Axelson, Associate Broker
Kurfiss Sotheby's International Realty