We hear plenty of gloom and doom these days regarding home buying, and we all know interest rates are up. You can navigate the high rates and buy your dream home if you do a little homework and ensure you have good credit, as well as a good down payment.

You can do all your homework online and don’t have to go into a mortgage company. You can also get approved quickly.

First, you need to make sure you have a good credit score. If you don’t know what yours is, check it out online with Experian, TransUnion and Equifax. This bit of information is very important and will help you immensely in the buying process.

Second, you need to know your budget and how much you want to spend. The more money you have to put down on your dream home, the better off you’ll be. With a larger down payment, you’ll be able to negotiate a better interest rate.

Next, while doing your homework, read reviews of the major lenders, such as Quicken, Lending Tree, Rocket Mortgage, AmeriSave Mortgage, and banks.

And don’t forget to talk to your Realtor at Stacey Driver. Realtors have a wealth of knowledge to help you with what may be an intimidating process.

Once you’ve done your homework, you’ll be on the road to home ownership through Stacey Driver Real Estate.