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Or maybe years of living in a tiny basement apartment have finally inspired you to become a homeowner.
Start by reading through your credit report to understand where it’s possible for you to improve.
Ifcredit card debtis dragging down your score, you should prioritize paying it off.
Fortunately, there are strategies to help, such as the snowball or avalanche method.
As you start to get serious about homeownership, youll need to build your mortgage reserves.
Mortgage reserves are extra assets that show a lender you might cover your monthly mortgage payments.
So, what counts as mortgage reserves?
However, many states and cities offer special homebuying programs designed to make purchasing a home more accessible.
A quick Google search for homebuying programs in Massachusetts reveals options like theONE Mortgage programand MassHousingDown Payment Assistance.
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