Here are a few things you’ll need to do to get started:
- Gather your financial information (paystubs, W-2s, etc.).
- Check your credit. Your mortgage interest rates improve with higher credit scores. Get a free report at annualcreditreport.com.
- Find out how much you still owe on your current mortgage.
- Get a realistic estimate of the market value of your home. Check out zillow.com, trulia.com , or ask a real estate agent to provide a market valuation of your home.