Phone: 360.305.2403

Determine what your monthly loan payment should be. Click on the link to the left to use a calculator I built to help you determine how much you can afford to pay each month. You will be asked to enter your income and expense information. Don't worry about the information you enter being sent anywhere. The information stays on your computer and is not transmitted anyplace.

What does your credit rating look like? Obtain a copy of your credit report and examine it carefully. If there are errors, contact the companies and get the errors corrected as soon as possible. Your FICO credit score is a 3 digit number that is used to determine your chances of getting a loan. The higher the FICO, score the better.

What kind of a loan can you get? If your score is good (higher), you should be able to get a loan with a lower down payment amount and a lower interest rate. If your score is bad (lower than 600) there are still options. If you can afford a large down payment, about 25%, then you can still get a loan with reasonable terms.

Do your own property value appraisal. This is for both buyers and sellers. By selecting values from drop down menus, you can determine the value of almost any home. Try it and see!

What price home can you afford? Before you get serious about looking for a home, you should know what price range you should look for. Looking at homes you cannot afford is frustrating for everyone. This calculator should help determine what price range you should consider. Try different combinations of down payment amounts and list prices to see if the resulting loan payment amount is below your qualifying estimate.

Search for homes in your price range! This is the last step. Clicking this link will search for all of the properties that are currently available and display them to you.