Don’t go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation.
Every $100 you pay per month on a credit payment could cost you about $10,000 in home eligibility. For example, a car payment of $300/month could mean that you qualify for $30,000 less in a mortgage.
Even if you have accumulated enough savings, you should consider not making any large purchases until after closing. The last thing you want is to know that you could have purchased a new home had you curbed the urge to spend.
"We had a good experience with Kirby Smith in selling our home in Roanoke. Kirby is from the area and knows it very well. Kirby gave constructive advise for us, which we followed, for some updates for the house and yard. They were not pushy, nor did they come into our home with an air of "we know it all," they were fair and they listened to us and our concerns.
We had a contract on our home the day that it officially went on the market."T Evans
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