We have all heard that this is a “Buyer’s Market” and that’s great but if you are looking for a new or used house, are you ready to buy? Are You Ready to take the responsibility of a homeowner? Have you been paying your bills on time? What is your present financial situation? Questions. Questions. And more Questions. Asking the right questions will give you the right answers for what you need to know and the steps you need to take in order to become a homeowner in Atlantic County NJ or anywhere in the world. When was the last time you checked your credit report? Do you know your credit score? Do you know you’re eligible to get your credit report free from all three agencies – Experian, Equifax and TransUnion. You can call the toll free number every year and have your report sent to you. Your credit score is also available but you will have to pay for it separately. You can get your credit score free but you usually have to join one of the services and pay their fee and as a bonus, they will give you your credit score. You will need to know your credit score from all three credit bureaus so you will know what you have to do to fix your current financial situation in order to become house worthy. Don’t skip this part because the more you know about your finances, the better prepared you are when you approach a lender for mortgage approval. You won’t be sorry that you were prepared.