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Two major items home buyers need to think about before contacting a realtor.

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Many people find it useful to have a checklist and on any good checklist these 2 items should be the first items on that list. as they are essential to getting the ball rolling on your dream of home ownership.

The 2 major items a potential home shopper needs to begin to think about before contacting a realtor is to:

1. Determine how your credit looks.

Luckily in this computer age there are many ways for us to easily and quickly check our credit ad credit scores. There are multiple sites out there to check your credit for free.

Two that we like are www.freecreditreport.com and www.creditkarma.com . If you have a credit score below 640 you may want to dive deeper into your report to see if there are opportunities to increase that score. Ways to that would be by dispute errors if there are any with the credit bureaus, make sure you are current with all monthly payments, and reduce debt where possible.

2. Get a pre-approval from a mortgage professional.

Once you know about your credit you should contact a mortgage professional and work on a pre-approval. But don’t just pick any mortgage professional as they are not all created equal. Do your research so that you can feel confident that the person you pick is knowledgeable and will take care of you as if they were buying their own home. Happy shopping!!!

If you have any questions about either of these items, please reach out to us today. We are happy to answer any questions.

Meet Johnny Iniguez with ING Mortgage Corp
Founder and principal of ING Mortgage Corp.
Johnny is no stranger to the real estate industry or entrepreneurship. Born in Ecuador, Brother of 6 siblings. Graduating from Berkely college in 1998 with a degree in business management and graduating from Bloomfield College in 2003 with a degree in finance. At Bloomfield college, Johnny was a resident advisor and a NCAA soccer player and the first sibling in the family to graduate from college with a full scholarship.

A longtime Mortgage Consultant success, Johnny has had a diverse client range from first time home buyers to the Presidents and CEOs of Fortune 500 companies working for Bank of America, Citibank and Morgan Stanley in the Private lending High-end net worth.
Broker owner of ING Mortgage Corp and licensed in the States of New Jersey and Florida. Johnny has over 20 years of experience and the knowledge to open all the right doors for you as your trusted confidant and Senior Mortgage Loan Consultant and as a Real Estate Sales agent.
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Johnny has worked for the Private Wealth Management at Morgan Stanley, Citibank, Bank of America, Merrill Lynch, & many other financial institutions. With over 20 years of experience as a Senior Mortgage Loan Consultant, Johnny brings with him keen knowledge of the real estate and mortgage industry, poised to assist you with the most important decisions you will make when buying, selling and/or refinancing your home.

Whether you are buying, selling, or refinancing, Johnny’s priority when meeting a new client is to find out how he can "BEST" help you in a mortgage or real estate transaction. Johnny has mastered the unique skill of "listening" which helps him gain a precise insight of how to best assist you to meet your Real Estate and Mortgage needs and goals.
You can reach Johnny at any time for any questions or concerns at 201-736-9180
Johnny Iniguez
Broker/owner of ING mortgage corp.

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