Are you six months to a year away from buying a house or condo. What should you be doing right now?

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Lots of buyers start looking at open houses when they are six months to a year away from making a purchase. It's fun. Nothing wrong with it but it's not the most productive thing you should be doing.

Buyers should check their credit ratings when the time comes to get pre-approved. The best mortgage rates go to the buyers with the best credit ratings.

Finding out that you have blemishes on your credit at that time might be too late. So contact your mortgage specialist and check your credit now, with plenty of time to correct any issues.