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The first thing to consider when buying a home, of course, is your current financial situation. Getting your credit report up-to-date is vital. You can download a free credit report online at many reputable web sites. Be sure to clear up any errors and take care of any discrepancies.

 

The next task is getting pre-qualified for a loan. Pre-qualifying takes things a step further than simply pre-approval for a loan. Whereas with pre-approval lenders may only look at your basic income, with pre-qualifying they will probably want information on your income, assets, and credit status.

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