"You're going to have to act quickly when you find a home when you want," Hale said.Look at your credit
By checking your credit score ahead of time, you'll know whether you'll need to make any changes to try toAlso, get a copy of your credit report to check for any errors or unpaid bills, which may also affect your credit score. Consumers can get their credit report up to once a week Consider using any year-end bonus money or cash gifts to pay it off. If you don't have debt, put that cash into savings to help with your down payment.Reach out to a lender as soon as possible, at least to ask questions and find out what they need from you in order to preapprove a mortgage, said Kevin Parker, vice president of field mortgage at Navy Federal Credit Union.
You can also get preapproved for a mortgage before you start house hunting, since you'll need it before you submit a contract for a house.Just because you are preapproved by a mortgage lender for a certain amount of money to spend, doesn't mean that is your budget.interest ratesThe National Association of Realtors is predicting rates will reach 3.7% at the end of the year, still low by historical standards.
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