Before you can do anything, consult a copy of the credit score and you will history off for every of your own three credit reporting agencies
step one. Look at your borrowing
All the information on that report will help your when you talk with the mortgage officer. It is better when planning on taking a glance at the borrowing from the bank immediately after all 12 months to make certain there are not any discrepancies in your declaration.
dos. Score home loan pre-approval
Second, choose which home loan product is the best complement your needs, then store additional lenders to see one which comes with the better terms and conditions. Home loans would be eg of good use here, because they focus on multiple lenders, and shop your loan to find a very good package.