After months of sneaking home searches during work hours, you found your dream home in North County San Diego. Perfect size, weird carpet (you can change that) and the right neighborhood nearby your favorite community park. You call your agent to set a time the home and maybe make an offer. When you arrive, there is already a line of buyers and their agents forming. The beginning of a classic bidding war. How do you avoid being a casualty and miss out on THE home?
- Get your credit report and know your credit score. Find any fixable challenges that could boost your score. It's worth real money. Higher score means a lower rate and access to more loan programs.
- Figure out how much for a down payment and where you will get it.