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Are you thinking about buying a house as one of your goals for the new year? As 2025 kicks off, many people living in Livingston County want to take their first steps to own a home. Here's a guide to help you start your house-hunting journey the right way.
Sort Out Your Money Situation
Before you begin looking at listings, take a close look at your money situation. Check your credit score, which has a big impact on getting good mortgage rates. Most lenders want scores of 620 or higher, but you'll get better rates with scores above 740. Start collecting important papers, like pay stubs, W-2s, tax returns, and bank statements – you'll need these to get pre-approved for a mortgage.
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