3 Months

  Review Your Credit

  Once Again, Order credit reports from all 3 bureaus.  At this point

  in the process any errors and inconsistencies in your report should

  be cleared up.  If not, continue to communicate with the creditors

  and bureaus to polish your report.  Generally, unless you use an

  express scoring process with a credit agency, the corrections take

  about 3 months to reflect in your FICO scores.  Therefore, any

  work you do at this point will certainly be in your favor, but may

  or may not improve your scores. 

  Review What You Can Afford

  Another opportunity to make sure your goals are in line with any

  developments in the market, your employment or otherwise. 

  Review What You've Saved

  While it's most likely that you've been reviewing your plans in

  light of your goal of a price all along the way, we'll just mention

  here as a reminder that this is an excellent opportunity to once

  again ensure that your savings are in line with your purchase goal.

  Life has a funny habit of not conforming to plans, so let a setback

  discourage you.  But at this point, if you're not anywhere near

  your mark, start thinking about Plan B's: borrow from family;

  delay your purchase by a few months, consider a more modest

  home.  Any of these, or others, are options.  Just remember, the

  idea is that buying a home should be not just an investment, and

  not just a life accomplishment, but a good time.

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