My wife and I are looking at buying our first home. We don't have the best credit but it's by far not the worst either and we do have the money to payoff any past due accounts on our credit reports. What we need to know is what do we do first? Do we pay everything off first or approach a lender first and let them tell us what we need to payoff

I would first speak with a lender and let them see what your credit looks like. It may not be as bad as you think. I would be more than happy to take a look at your credit for you and see exactly where you are. My name is Conan Watters and my office number is 501-225-5626.

It would be good to for us to run the credit see what the income is to help you get a broad understand and time frame of when this all should happen. PLease call me directly at 949-200-5820Nicholas Mosswww.DirectYourOwnLoan.com877-677-5535 ext 220

Right now, the most important thing is to know what your credit score is and then determine what, if anything, needs to be paid in order to qualify for the loan. For example, if the past due accounts are medical it may not be something you need to pay off in order to qualify. I would be happy to run a credit report for you and then we can discuss what options best fit your needs. My name is Debbi Lachowsky and I'm a loan officer with National Bank of Arkansas in Little Rock, AR. Please feel free to give me a call at my office (501) 280-3487 or you can reach me anytime on my cell (501) 514-2686, including the evenings and weekends should those times be more convenient for you. I appreciate your business and the opportunity to be of service to you.