PageContent2 Here are five tips to help you in this processApply Online 1 Get to know your credit score and history. Your credit score is taken into account as criteria to evaluate your mortgage application. Check and access your credit report before signing a purchase agreement. This way, you will obtain a more accurate product and interest offer, and you will be able to identify the factors that negatively impact your credit. You may access your credit report at annualcreditreport.com. 2 Determine the area you want to live in.Visit the area to identify and become familiar with its pros and cons. 3 Make a list of preferences and organize them by priority.Get together with your family to list the most important elements in terms of location, property condition, price, and amenities. 4 Know your budget.Determine your capacity for monthly payments, closing expenses, and down payment before exploring the market. You may contact one of our mortgage officers to get pre-qualified. 5 Search for information.After you select the area you want to live in, search for information about that market to negotiate a good offer with the seller. All loans are subject to credit approval. Certain terms and conditions apply. FirstBank Florida is a division of FirstBank Puerto Rico.