When you decide to embark on the journey of homeownership, it's essential to understand that the first step is not to start browsing listings or visiting open houses. Instead, the initial action should be to contact a Mortgage Loan Originator (MLO). Here’s why reaching out to an MLO 90 days prior to viewing homes in person is crucial: Understanding Your Financial Position Before you start falling in love with potential homes, you need to have a clear understanding of your fi