My wife and I want to buy a home. She has good credit but mine is just OK. Can you give us some advice?

Unless your name will not be on the mortgage, your credit record will count just as much as your wife’s. Therefore, start working on cleaning up yours right away. If you haven’t a clue how to do that, many lenders and government offices at the federal and local level offer lots of free brochures on the steps that need to be taken. See more on shoring up credit ratings before getting a mortgage.

At this point, though, stay away from anyone who wants to charge you money. Unless your finances are a mess, you can do this pretty much on your own. If not, look for help from a nonprofit counseling agency in your area.

Real estate agent Caesar Parisi stands ready with effective advice on buying or selling Boca Raton FL condos.

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