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1). 10 Tips to Buy Real Estate Without Breaking Your Budget 1. Get pre-approved for your home loan. This means, fill out a loan application and go through the process of securing financing. That way, when you’re ready to seriously evaluate real estate, you’ll know exactly how much home you can afford. And you can prove to a seller that your offer is sincere. 2. Explore creative financing option... 2). How to Repair Your Credit and Buy a Home There are three major consumer reporting agencies (CRAs), or credit bureaus, that mortgage companies use to assess a buyer’s credit rating: Experian, Equifax and Trans Union. Credit scores typically range from 300 to 850. For home loan purposes, a score of 650 or higher indicates a good credit history and will make it easy for you to secure a mortg... 3). Why You Need a Real Estate Agent: What your Agent should do for you A real estate agent can either be a buyer’s agent or a seller’s or listing agent, depending on their client’s need. Although a single agent may list property for sale and also work with buyers, each role will be a little different. To understand why you need a real estate agent and what your agent should do for you, let’s take a look at each agent ...