Here are 3 pieces of advice:
1. Be pre approved. Almost everyone in my business knows a pre approval is alot better than a pre qualification. Pre-quals are not taken seriously by real estate professionals.
2. I always recommend using a mortgage company than a bank. Banks sell the same morgages to these companies at a lesser rate and pass the savings down to you (depending on the company). 5/8ths of a point off may not sound like much, but it is when you're dealing with alot of money over a long period of time.
3. USE A GOOD REALTOR. It's at no cost to you and they will probably be able to help you find more properties in your price range than if you looked on your own. A good Realtor will also help you save money on your purchase of a new home by knowing the fair market value of the property.
The market is heating up this time of year, give me a call anytime!
REMAX NEW YORK
261 4th Avenuue, Brooklyn NY 11215