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Not a first period home buyer? That's okay. Even veteran home buyers forget the particulars when pursuing the purchase on the new home. You may need a refresher, or you will be a first-time home buyer who wants to know the ropes. No matter what, there are several items you'll want to learn even before you start looking for another home.

Follow the steps below and that means you don't skip a beat along the way. This can ensure you are getting the most effective deal possible on the purchase to your new home.

* Free credit. Before you get started, order your free credit from all three major credit reporting bureaus. They're just Equifax, Trans Union and Experian. By regulation, the credit reporting agencies are required to offer you a free credit report every a year. Your goal will be to check you have the highest possible credit score. A high credit score will help you to be approved for the bottom possible interest rate.

* Inaccuracies, negative info or inquiries. Comb through your credit file for any information you perceive to be inaccurate, negative information that is incorrect and inquiries that you did not approve. If you realise items that need maintenance, radius them and note them as being inaccurate, wrong negative info or unapproved inquiries. Give a letter to every single credit reporting bureaus using a copy of the credit scoring pages that apply, in addition to any support documentation. Give a copy only, together with keep the originals for your own files. The credit scoring bureaus have month to respond. In the event you don't find anything that needs repair, then proceed to the 4th bullet.

* Ready, set, get! Once the credit reporting agencies make the updates and corrections, you are ready to move forward.

* Home wish list. You'll wish to identify everything you want in a home. Add geographic location, school district or school, square footage, amount of bedrooms/bathrooms/garages, type of home (ranch as contrasted with. multi-level and others), hard wood floors, type of kitchen (eat-in vs. formal) and whatever else you can think involving. Include amenities like a central vac, built-in microwave or even heat pump. All this will allow you a basis to begin your house hunting venture.

* Get pre-approved. Licensed real estate agents will typically not help you look for a home without being pre-approved for a mortgage. san antonio central vacuum systems