I was speaking with a young couple just a couple of days ago and the question that they asked is the same question that most buyers ask me “What should I do first to get ready to buy?” Well this is a question that has a couple of sides to consider and do to truly be ready to buy. First make sure that you sit down with a qualified buyer’s agent that can not only help you find the loan officer but help with answering any questions you may have in determining your comfort zones and possible needs. Second is to sit down with a quality loan officer (which The Hardas Team knows of many quality lenders) and get what is called a Pre-Approval letter. This letter is only given after the loan officer has taken things such as bank statements, paycheck stubs, and W2s to check your full financial qualifications. If a bank or loan officer gives you a paper prior to looking at all those forms then all they have given you is a Pre-Qualification letter and this letter is almost worthless in negotiating for Real Estate. After talking to the loan officer it is time to sit down and come up with a comfortable payment range this will help you to start looking in homes that you can afford comfortably instead of homes that can possibly put you out of your comfort zone. Last and not least is to sit back down again with your buyer’s agent and discuss the steps from there. For more info feel free to email me at Jason@TheHardasTeam.com or visit our website www.HardasRealtor.com.