“My credit isn’t good enough”. “I don’t have enough money to put down”. “I don’t make enough money”.
Sound familiar? The truth is, it’s not the lack of money or credit issues that keep many people from the dream of owning a home. The real reason why people don’t realize their dream of homeownership is fear. Fear of being turned down, fear of being ripped off, fear of not being able to afford the monthly payments …and the list goes on. The best way to deal with your fear of realizing your dream is through education. Being knowledgeable about the mortgage process and the various options available will give you confidence and prepare you to move forward and attain your dream of homeownership.
Begin by implementing the following 4 steps. Just taking these first few steps will make you feel empowered and ready to become a homeowner:
1. Assess where you are right now. In addition to educating yourself about the mortgage process, Find out where you stand today. Oftentimes people’s situations aren’t as bad as they think. Together with a mortgage consultant who can provide you with a free analysis of your credit and mortgage profile, you
can start to create a plan to get you from where you are to where you want to be (ready for homeownership).
2. Make the commitment to do what is necessary to realize your dream. So your situation isn’t perfect, who’s is? Starting today, begin making choices that move you toward your goal. Even something as simple as paying a credit card bill a little before the due date can help you achieve your goal even faster.
3. Stay focused, You may be tempted to back track or give up, Don’t. Just remember you are deserving and worthy of attaining your dream. Keep reminding yourself about how good it will feel to attain your goal of being a homeowner.
4. Only align yourself with people who want to help you succeed. Partner with a mortgage consultant and others who are just as committed to helping you realize your goal of homeownership as you are. Make sure the people that you involve in the process of helping you attain your dream of homeownership are positive – and have your best interest in mind.
Home Financing and Credit Enhancement Coach, Gina Jackson is a financing industry consultant who knows what lenders look when approving people for financing. The Founder of youdeservegoodcredit.com, Gina has worked with hundreds of people to help them increase their credit scores and obtain home financing. For more information on improving your credit scores and obtaining home financing visit: http://www.youdeservegoodcredit.com