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IF YOU HAVE FOLLOWED OUR ADVICE IN THE SECTIONS "FIRST ORDER OF BUSINESS" AND "GET ORGANIZED" THEN THIS IS THE EASY PART. YOU KNOW IF YOU'RE QUALIFIED FOR THE BEST RATES ADVERTISED OR AT A SOMEWHAT HIGHER RATE. AND, YOU KNOW HOW MANY DOLLARS YOUR LENDER IS GOING TO LEND YOU ON YOUR NEW PURCHASE.

Make your search and our job easier: Before you start looking, sit down with a pen and paper. Write down EVERYTHING reasonable you would like in your new home. Write everything you currently like in your home, and the items you wish you had. Write ALL of the things you do NOT want in your next home. Keep this list in a location where all parties can look at it each day and make changes as needed. When you finally have a mutually agreed upon list of what you want, start looking. This process will save you an incredible amount of time in your search for your new home.

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Tampa Bay Metro Realty / 1st Continental Mortgage, 1513 East Park Circle, Tampa, FL 33610

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Get "happy": Take your financial paper work into your lender and tell him/her what you want to accomplish (buy another home, an investment property).

Get your lender to give you a "pre-approval letter" for a loan (see Finance Center for why you want pre-approval and not pre-qualification). This will help you be first in line at the bargaining table for that property you want to purchase.

Caution: DON'T BUY THAT NEW CAR OR FURNITURE: When you're applying for a new property loan or refinancing a loan do not add any additional debt to your credit report. In most cases this will lower the overall amount to credit (dollars) a lender will lend you. To understand this clearly, go to my Financial Calculators section and look at the "Mortgage Qualification" calculator. There you will see what happens to the amount you can borrow before and after adding extra debt! So, if you're planning on financing a new car, furniture for your home or a vacation, hold off until after your loan "closes".

ganized

why you want pre-approval and not pre-qualification). This will help you be first in line at the bargaining table for that property you want to purchase.