New Year's Resolutions for Home-Buying Goals

If buying a home is on your to-do list this year, there are some things you must do first. Since a home is likely the biggest investment you'll ever make, here are a few New Year's resolutions that you'll want to keep this year!

• Check your credit score. This is important because your potential mortgage lender will do the same. Lenders will use this score, along with other factors, to determine your mortgage eligibility.
• Credit clean-up. If you're not happy with your credit score, take the time to improve it before you begin the pre-qualification process.
• Get pre-approved for a mortgage. A pre-approval is not an obligation to buy but a written confirmation of your lending amount and the promised rate. It will allow you to shop with confidence and within a budget you know you can afford. Contact Old Point Mortgage to get pre-qualified today!