While lenders generally require a two-year, steady work history, you may still qualify for a loan if you have not worked continuously during that period and there is a good reason. A pre-qualification will help you determine the amount a lender would extend to you. Choosing a Real Estate Agent or Broker A real estate professional can help navigate the home buying process. He or she can also set appointments for you to view homes that are of interest, help narrow choices to homes that meet your needs, explain the local market and help negotiate with the seller. Be sure you understand whom the agent or broker represents during the process.
Laws vary from state to state, so clarify the level of service the agent can give.
Most mortgage lenders will provide a pre-qualification free of charge and with no obligation. Choosing a home involves a great deal of selectivity. It is helpful to make lists of features you require and refer - as well as unacceptable features for your home. Location is a vital factor in selecting a home. Think about work commuting times, how close schools are for your children, and if conveniences such as grocery stores and dry cleaners are nearby.