American Financial Solutions offers pre-purchase Housing Counseling through one-on-one confidential sessions with certified housing counselors. Call to discuss your specific situation and the credit counselors will suggest money management skills and actions required to prepare for a home purchase. Counselors will provide advice for: How to set up a budget and save for a down payment. The advantages of owning a home rather than renting. How much you can borrow. What lenders look at when you are qualifying for a loan. How to choose a realtor. How to choose a lender. How to read your credit report and what makes up your score. Your credit report is the key to your ability to obtain a mortgage and it can impact nearly all aspects of your life. If you rent or own your own home, most likely your credit report was pulled as part of the application process. Call one of our Certified Counselors and we will help you obtain a free copy of your credit report.