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If you've decided this is the year to become a home owner there's a few must do's that we should discuss.

Get pre-qualified.  It has never been more important to get pre-qualified and then pre-approved for a mortgage than it is now. You need to know what your credit score and programs that may fit your needs in this market. 

Housing has never been more affordable than it is now but in the current financing climate you need to get prepared in advance to ensure a smooth home purchasing experience.

Happy New Year!