How are you be ready to buy a house if you don't have a plan in place? How do you know how much you can afford if you haven't sat down and really looked at the numbers?
Three out of four people I speak to do not have a firm grasp on their financial situation. This includes the large number of people I speak with that claim, "I'll never be able to afford a house". Often times people who think they cannot afford a house are in a position to do so but just need a plan. Likewise, people who want to purchase a home rarely have a plan to do so, but they have the desire. Both cases need help.
The first step is you need to understand your situation. Some people can do that on their own while others need someone to sit down and show them the reality of their financial situation. Speaking to an expert gives you an objective view of your scenario. Some don't need the mortgage help right away, rather they need someone to help them manage their financial situation so they can set a goal for when they want to purchase. Meanwhile, others have a financial plan but do not understand how to prepare for an impending mortgage application.
The lesson learned is that most people need help. Nobody expects you to know how to prepare for homeownership or be a master of the financial world. Realize there are professionals out there who can help you manage your situation. Feel free to forward questions on your specific situation or if you're in need of professional referrals that can help your scenario. Make it a great day!
- Dan Leavitt
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