Finding the right home is no easy task.

Organization is the key to finding the home you want while spending the least amount of time and energy. Find out how much you can afford by getting preapproved. Do this before going house hunting. Kelly can help you determine how much you can afford, along with monthly payment you can handle. By doing this you are only looking at homes in your price range.

Preapproved means that the mortgage lender has verified and approved your credit and employment. Prequalified is merely a determination of your probable ability to obtain a loan.

Make a list of everything you want in a home. Separate the essentials from the items you could live without and put them in an "A" list. Prioritize the rest of the items into a second and third list in order of importance.

Jan will go over the list with you so that she is very clear on what you want and need in your next home and a loan officer to assist you with your loan.