Start with a Monthly Spending Plan.
Learn about:

• developing a spending plan
• why budget
• what's in the budget
• setting financial goals

Build Up Your Credit Score

• Check and build up your credit to ensure low credit costs when it's time to finance your home

Understand How Best to Finance

When you are ready to start your home search, understand how best to finance your home

• understand best financing option and how to negotiate rate

Build Up Rebate Points

• as you shop for supplies, food, clothes, etc., for your month-to-month living, use a rebate credit card instead of cash to build up points for a down payment

Calculate Your Numbers

Run some numbers to calculate how much you can afford and your qualifying ratios

• calculate monthly payment, affordability amount, debt ratios and more

Lower Monthly Bills

Expense reductions strategies to lower:

• monthly housing expenses
• transportation
• family care
• family living
• recreation
• other
  
  in help to pay and finance home improvement

Watch Rates

Keep your eye open for rates. They change daily. If rates decline, you might be able to afford your home purchase:

Search for the Right Home

Find the home of your dreams

• search real estate listings, FSBO, foreclosures, new home construction and more