Buying a home? Do these two things first, right now!

So, you've decided to take the exciting leap into homeownership! Congratulations! This journey is filled with anticipation, but also a few logistical steps. Before you dive headfirst into open houses and mortgage Pre-Approvals and applications, let's tackle two crucial actions that will save you time and frustration down the road and protect your privacy too.  These services can take up to several days or more to take effect, take action on your behalf now.

Step 1: Opt-Out of Prescreened Credit Offers (OptOutPrescreen.com)

The excitement of buying a home can be quickly dampened by an influx of unsolicited credit card offers and loan pitches. These "pre-screened" offers come courtesy of the information in your credit report, which credit bureaus can sell access to under certain circumstances.

To take control of your information and reduce unwanted calls and mail, head over to OptOutPrescreen.com. This website, managed by the credit bureaus themselves, allows you to opt-out of receiving prescreened credit offers for five years. It's a quick and easy process that can significantly reduce the marketing noise bombarding you during this crucial time.

Step 2: Silence the Ringing – Join the National Do Not Call Registry (DoNotCall.gov)

Imagine finally finding your perfect home, only to be interrupted by endless telemarketing calls. Prevent that scenario by registering your phone number with the National Do Not Call Registry at DoNotCall.gov. This free service from the Federal Trade Commission prohibits telemarketers from contacting you within 31 days of registration. It's a simple step that can save you precious time and maintain your peace of mind while you navigate the home buying process.

Bonus Tip: Take advantage of online tools offered by lenders and real estate agents. Many provide free credit score estimates and pre-qualification options that won't impact your actual credit score.

These two initial steps are a small investment of time that will pay off in a big way as you embark on your home buying journey. Now, go forth and conquer the exciting world of open houses and mortgage applications, all while minimizing unwanted calls and protecting your valuable information!

When you have questions about buying a home, reach out to us at 717-431-9299.