A 4-STEP GUIDET O M A N A G E YO U R F I N A N C E S

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WORK OFFYOUR MONTHLY DEBT

Do you have enough left over for a new home payment?

Determine your down payment – Whether you’re sitting on a nest egg or expecting a windfall, weigh your options and calculate your cash on hand. Youmay need to tighten your belt.

Stack your financial statements – Gather proof of employment, pay stubs, bank statements, tax returns, and otherpertinent paperwork.

Go the distance – Follow throughand finish strong. Research your lenderoptions and choose the right fit for yourfinancing needs. You’re almost home.

TIRED OF GIVING UP ON YOUR FITNESS RESOLUTIONS EACH YEAR?

WORK OFFYOUR MONTHLY DEBT

Know what you can afford BEFORE you shop for a home.

• Length of Credit History• Amount Owed

• New Credit• Payment History

• Types of Credit Used

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2.

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Raise the bar to LIFT YOUR CREDIT SCORE. Elements typically contributing

toward your credit score:

RESOLVE TO GET1STEP

STEP

1

1STEP

2STEP

1STEP3

1STEP

STEP

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FINANCIALLY FITLooking to buy a new home?Set aside a small amount of money each month to save for a deposit. Budget, discipline, and fiscal self-control will yield BIG RESULTS!

Forgo the diet & exercise resolutions and get your “financial house” in shape for the New Year!

YOU CANSTARTTODAY!

CREDIT SCOREY O U R

PICK THE RIGHT HOUSE SIZE TO FIT YOUR BUDGET

PICK THE RIGHT HOUSE SIZE TO FIT YOUR BUDGET

Weigh your monthly spending habits with a budget comparing your income to your expenses.

Trade/service marks are the property of 21st Mortgage Corporation and/or its subsidiaries. AZ - Mortgage Banker BK-0907006. CA – Loans made or arranged pursuant to a California Financing Law License. CO Lic. #987899. (Responsible party: 21st Mortgage Corp., NMLS 2280.) GA - Georgia Residential Mortgage Licensee 12375. IL –Illinois Residential Mortgage Licensee # MB.6760637. NY – Licensed Mortgage Banker-NYS Banking Department. OR – Oregon Mortgage Lender License ML-1428. TX –SML Mortgage Banker Registration, Regulated Loan License 2178-8836. WA – Consumer Loan License CL-2280. Other terms and conditions may apply. Not all products are available in all states. Call for details. 11/28/2017.

ALL LOAN PROGRAMS SUBJECT TO CREDIT APPROVAL

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www.21stMortgage.com

Equal Housing Lender. 21st Mortgage Corporation 620 Market Street, Knoxville, TN 37902(865) 523-2120. NMLS ID# 2280 (www.nmlsconsumeraccess.org).