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1. Protect your credit score.

2. Beware of offers that sound too good to be true a�� they probably are.

3. Become an educated consumer. Talk to your Texas REALTORA� about predatory lending practices a�� what they mean and how to keep from being a victim.

4. Dona��t buy more house than you can afford right now.

5. Think twice about non-traditional loans, such as interest-only and adjustable-rate mortgages (ARMs). Fixed-rate mortgages are just that a�� fixed.

6. When purchasing a new home, look beyond the monthly mortgage. Other costs to consider include property taxes, homeownera��s insurance, utilities, maintenance, and, depending on the neighborhood, homeownersa�� association fees.

7. Dona��t sign a blank document or anything you dona��t understand.

8. Know and understand the terms of your mortgage.

9. Dona��t let anyone persuade you to a�?pada�? your income to qualify for a loan.

10. If youa��re having trouble making your monthly mortgage payment, dona��t hide from your lender. Work with your mortgage lender to find out what your options are.

11. Work with your Texas REALTORA�, Krista Wright 832-585-3035, to find a reputable lender and a loan product that works for you.

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