Before you start your home search, call me to discuss your financing options. See what you can budget for in the way of down payment and debt to income ratio. Have a pre-approval letter in hand for licensed mortgage professional employed by a direct lender, so when it is time to make a strong offer you will have your financing in place. The key to a smooth and on time closing is to have us run and review your credit, review your income and look at your assets at the very beginning of your home search. Start the process towards home ownership in 2012 by calling me today at 909-503-5600.