There are four essential steps involved in getting ready to buy your first home.

Have your Credit in Order

Pay all your bills on time. Pay down large outstanding balances. Know your CREDIT score and resolve any credit issues. For a free annual credit report go to or call 1-877-322-8228


Your ability to save shows readiness to be a home owner. It is never too soon to start saving for down payment and closing costs. Banking your tax return is a wonderful way to give a boost to your downpayment savings account. Savings programs called IDAs (with matches for each dollar saved) are available locally.

Home Buyer Education

Get your FIRST TIME HOMEBUYERS CERTIFICATE. These 8 hour seminars are offered by a number of local, certified groups. For a schedule of FTHB classes in the Greater Lawrence area please call our office.

Be Organized

Organize your paper work and be prepared to submit a completed application on time. Documents you need to submit with your housing application include Federal Tax Returns, W-2 and 1099 Forms, Most recent pay stubs, rent receipts and copy of bank statements.