I of all people really want you to buy a house. I mean, that is my job. And I love it! I love helping first-time homebuyers into the home of their dreams or at least a good starter home. But I also want people to be prepared and if you're looking at homes but you have these four signs, or even one or two of them, staring you in the face, it may not be the right time.

4 Important Signs You SHOULDN'T Buy the House

You have a low credit score.

Now, I know some amazing lenders and mortgage officers they can get just about anyone alone, but the lower your credit score, the higher your interest rate. You may be able to afford the home, but nothing else. It's important to get your credit score at least over 680 just to get a decent rate and mortgage, but, if everything else lines up, you can get a home with even a 600 credit score, just be prepared to pay a little bit more in interest rates.

You can start now, however, by paying off your bills, paying things on time, and reducing your debt to income ratio. Some people can do that in as little as six months and be ready to buy a house by the first of the year.

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