It pays to get organized. Put your finances in order, get pre-approved for a loan, and you'll know what you can afford to buy. Start a Home-Buying File
If you keep your records in one place, you can get organized in a few hours. Start a file for papers, sales brochures and other information you'll accumulate, including:

• Credit data
  Check your credit and correct any credit problems you may have before the lender gets your credit report.

   

• Loan documents
  Gather financial information the lender will request.

   

• Real estate listings
  Search for home listings online.

   

• Inspection reports
  See a sample inspection report. (Download Microsoft Word doc, 511k)

   

• Insurance information
  Choose insurance wisely and cut your insurance costs.