| "> | | | | past choices, and if necessary change your finances. |
| Finding the right loan can seem complicated, but if you | | | | Decisions you make today will impact your future |
| take things step-by-step, you will soon be holding the | | | | options. |
| keys to your new home! | | | | If you need help with your down payment and/or |
| The first step to finding the right loan is to figure out | | | | closing costs, take a look whether there are any home |
| how much you can afford. What you can afford | | | | buying programs in your state. The Department of |
| depends on your income, current monthly expenses, | | | | Housing and Urban Development can direct you to a |
| credit rating, down payment and loan interest rate. The | | | | housing counselor who can help you figure out how to |
| importance of good credit cannot be understated. | | | | manage your finances, to pay down debts and to start |
| Lenders will decide what interest rates you will pay | | | | saving for the down payment. |
| based on your credit score. Be prepared to examine | | | | |