| This consultation is done at no cost to you and should be done by a trusted individual. Usually, it is best to ask your real estate agent which lender they have worked with for years that does an exceptional job. You should expect that it would require approx 5-10 minutes of your time. You will receive a complete copy of your credit report along with ideas to better your score. You can also review it to see what is accurate or not and receive instructions on how to fix the report if there is an error. Together we will review of your income history for the last two years; You’ll be asked for the companies you have been employed with for the last two years and the structure of payment as well as the gross or the net depending on type of employment. We will also review your assets for the last 60 days and determine what you need for down payment, what reserves you need and what you will prepare for closing costs. Together, we will review your goals and develop the best financial strategy for the purchase of your new home. | 
