This is kind of a rant, but it’s meant to help you with your articles. And no, I am not a Mrs. Wombat (thank you Paul Myers) but there ARE places where you really DO want to have proper grammar. One of those places is when you’re writing articles. This article will explain to you why this is important, as opposed to writing sales copy, and give you some examples of what NOT to do. I hope you find it helpful.

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Buying a home should be an exciting time where when planned accordingly can come off like a well oiled machine. Preparing for the transaction ahead of time and taking care of all the paperwork at the beginning will help things move much smoother. Prior to looking at homes you should meet with your mortgage specialist to determine the monthly payment you are comfortable with, the down payment amount needed, and what costs are associated with the transaction. They will give you an idea of what kind of sales price you are looking at so you can begin looking at homes that fit the criteria. You can also discuss how much the seller can contribute in seller contributions (closing costs) with the program. You also need to be aware of the tax rate and insurance costs. When being pre approved go ahead and provide the lender with all of the paperwork upfront. This will include recent W2’s, pay stubs and bank statements. You will also need to do a loan application. This can be done over the phone. This way you can have a pre approval vs a pre qualification. A pre approval states that everything has been verified, including income, assets and credit and that you are able to buy within a certain price range. A pre qualification states that the credit has been looked at but income and assets have not been verified. This can post a host of problems. Pre qualifications are basically a letter from the lender stating that you may be able to purchase but we are not sure.

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