Thinking about buying your first home? Call me📱 Tips to consider📝 1. Start saving early (think downpayment, closing costs, move-in expenses) 2. Decide how much you can afford (based on income, debt, down payment, credit score) 3. Check & strengthen your credit (this will determine whether you qualify for a mortgage and affect the interest rate lenders will offer. Higher score means lower interest rates). 4. Explore mortgage options (conventional, FHA, USDA & VA. When interest rates are increasing, you might consider an adjustable-rate mortgage, or ARM. ARM rates are often lower than fixed rates, enabling you to buy a more expensive home for the same monthly payment, but they can also increase (or decrease) over time). 5. Get a pre-approval letter (this is a lender's offer to loan you a certain amount under specific terms. Having a preapproval letter shows home sellers and real estate agents that you're a serious buyer and can give you an edge over home shoppers who haven’t take...