If you think you are ready to purchase a home for your family, it can be difficult to resist the urge to make an offer on the first property you see. However, there are a few important things that you will need to have on hand before filling out the mortgage paperwork.

The Best Possible Credit Score

Although you may qualify to buy a home if your credit score is lurking between the 580 and 600 ranges, you will be paying the highest interest rates in the industry if you take this route. As a result, it is recommended that your credit score be no less than about 640 if you want to secure better interest and lending rates possible. However, to get the absolute best rates in the industry, your credit score will need to be 700 or above. read more