Credit scores seem to rule the world these days. And, the days of stated income loans appear to be over. We're all having to document our income. Realtors are self-employed, too, so we're all in the same boat. Not every home purchase is done in 30 days. Many times we have to start working with a prospective buyer 1-2 years ahead of their purchase so they can get their credit in the best light to be ready to get the best deal on real estate. We're fine with that. Having the time to reduce your debt in the right way can improve your credit score dramatically, reduce the interest rate you'll be quoted, reduce the insurance on the house, and optimize your ability to reap all the benefits of home ownership. All Realtors have lenders that they work with all the time, who provide good service and counseling to our clients to prepare them for home ownership. You may even qualify for home loan assistance programs through banks, credit unions, your employer, or the government that you aren't even aware of until we start a dialogue.