If you can answer “yes” to most or all of these questions, you are probably in good shape for buying a home:

• Do you have steady income (i.e. a job)? Is this income reliable? Have you been employed on a regular basis for the last two or three years?

• Do you have the ability to pay a mortgage every month, plus the additional costs of maintaining a home?

• Do you have a good record of paying bills?

• Do you have few outstanding long-term debts?

• Do you have money saved for a down payment?

• Have you been pre-qualified by a mortgage bank or broker?

If you are ready to buy, the Real Estate Chamber of Commerce can connect you to a top Realtor in your area free of charge.