Get a copy of your credit report and check that all of the information is accurately reported.
Handle any derogatory information on your credit report; report any inaccuracies, close any open credit lines you don’t use or need, make reconciliatory arrangements with accounts that are in arrears.
Hold off on making any large purchases such as buying a car or getting any loans until after you obtain your mortgage.
Decide what you really want, need, and don’t want in your new home.
Make a wish list, prioritize the things you want, and be sure to distinguish between what is negotiable and what is not.
Don’t forget to consider your own personal style and taste.
Choose your lender.
Be sure to weigh all aspects of cost, customer service, reliability, and account policies.
