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(TNS)—You've decided to go for it. You know mortgage rates are enticingly low.
Buying a home can be thrilling and nerve-wracking at the same time, especially for first-time homebuyers. It's difficult to know exactly what to expect.
Take these five steps to make the process go more smoothly.
Check Your Credit
Your credit score is among the most important factors when it comes to qualifying for a mortgage.
"In addition, the standards are higher in terms of what score you need and how it affects the cost of the loan," says Mike Winesburg, formerly a mortgage planner in Wheeling, W. Va.
Scour your credit reports for mistakes, unpaid accounts or collection accounts.
Just because you pay everything on time every month doesn't mean your credit is stellar. The amount of credit you're using relative to your available credi...
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