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Don't make major credit purchases

Don't make major credit purchases It's important not to make any major credit purchases if you are planning on buying a home soon. Any monthly payments you are making will decrease the size of loan you qualify for by a ratio of about 100:1.

Let's say you have a new car payment of $350/mo. The amount of money you are qualified to borrow from most lenders will be about $35,000 less (100 x $350) than what you might have been able to borrow without that car loan. The same goes for consumer spending like credit cards, department store cards, etc.

In general, it's best to pay cash for items you need and keep your monthly credit payments low.

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"We are so glad we used Molly to sell our home! She was a joy to work with, and helped make the whole process flow very smoothly. Because of her experience in different real estate markets, she was able to give really good insight, and lead us in the right direction. She was extremely personable, professional, and always kept us informed on what was going on. We felt like she really cared about us and understood our needs and wants. I would recommend using Molly to anyone!"
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