GET READY FOR THE MORTGAGE MARKET OF 2013

Bankrate.com had some awesome tips to consider for getting the best deal on mortgage rates this year whether you're buying or refinancing.  Here's the top 5:  1) Stop procrastinating and refinance!  If you're paying more than 3.75 to 4 percent, it's time.  These rates won't be here forever.  2) Ensure that your credit is golden.  Credit standards remain tight, but there are things you can do to take care of old dings on your credit.  Pay off a low balance credit card and watch your credit score go up 30 points.  3) Underwater refinancers...don't take no for an answer.  HARP, the :home affordable Refinance Program, is here to help you.  Go online to find information.  4) Compare FHA versus conventional loans.  FHA requires a much smaller down payment.  5) Approved for a mortgage?  If yes, then don't buy anything!!  Don't apply for credit anywhere else during your loan process.  Once you're approved, lenders don't want to know you're out borrowing and getting into more debt.