Real Estate, Then and Now

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First Time Home Buyer Florida Being a first time home buyer can be a daunting thought, especially if you jump into it unprepared without having done any research. Fortunately, if you are reading this, you are likely searching for information to prepare for your first time home buying experience. Your journey on buying your first home will entail several important focal points. Unless you’re paying cash for your home, you will likely be needing financing from a lender. This will require you to examine your financial situation to first determine if you are in a position to buy, and then to determine how much house you can afford. Lenders will look at several factors to determine your approval or denial. These factors include the following. · Credit score · Down payment · Income · Debts On average, for a conventional loan, you will want to have a credit score of at least 620. Your debt to income ratio ideally should be 36% or less. The lower ratio you have, the better your chanc...