Are you ready to be a homeowner?

What to think through

• Savings for down payment and closing costsKnow what you’ve set aside and where it’s held. Some programs allow gift funds or lower down payments, subject to program guidelines.
• CreditHave a general sense of where your credit stands. Your credit is only reviewed with your authorization, handled directly with Marcos.
• Income and employment historyRecent pay stubs, W-2s, and your work history are typical. Self-employed? Tax returns are usually part of the picture.
• Monthly debtsAuto loans, student loans, and credit cards are all considered.
• Your timelineWhen you’d like to move helps Marcos plan the right next steps with you.