If you’re serious about buying a home, cleaning up your credit should be the first item on your agenda. After going through your credit report, identifying, paying off and closing most of your credit cards, your next step is to shop for a mortgage.

1. Determine pre-qualification

2. Get pre-approval

3. Choose a lender

4. Investigate online loans

Ultimately The choice is yours when shopping for a mortgage, there are a variety of loans, vendors and methods of shopping. Your REALTOR can definitely give you a list of contacts that they have used and get you on the right path.  The best way for each home buyer to approach the process is largely a matter of personal preference. Some home buyers are looking for the lowest-priced program, while others prefer the most convenient. Personal relationships and specific loan requirements also play a role. While there is no right or wrong method, a little advanced planning and careful shopping will be well worth the effort.