For the first time Home Buyer: PURCHASE THE HOUSE FIRST!!!

Purchases made on credit, even those that have terms such as "one year, no payments, or no interest, WILL affect your credit score and debt-to income ratio - (factors which the Lender use to determine how much house you can afford).

In addition most lenders are required to track or review your credit behavior after you've been approved for a mortgage but haven't yet gone to closing.    So no major purchases before you close on your loan to purchase the house.

Even after you have purchased your home....wait for at least 12 months to make major purchases.  Get accustomed to your new expenses as a HOMEOWNER first!!!!

For the First Time Home Buyer

Thinking of buying a home in the next 1-3 months?

But you also have your eyes on that **flashy black BMW** or that Chevy Truck you always wanted, or the new beetle with the vase for the flower on the dash board.....

....wait .......STOP....... BUY THE HOUSE FIRST..........!!!       I'll tell you why next time........

For the first time homebuyer

Pride of ownership - Having a place of your own 'your digs', your man cave'  call it what you may, improves the quality of your life.