 TITLE: How Can Millennials Get Mortgage Ready? CONTENT: Get Organized\n-------------\nFirst, see where your finances currently stand. Start by obtaining your credit reports and credit scores. You can get a free credit report and free FICO® Score☉ from Experian and can get one free credit report every 12 months from Experian, TransUnion and Equifax at AnnualCreditReport.com. It's a good idea to check your credit report with all three credit bureaus so you can spot any discrepancies.\nNext, pull together your financial data. Collecting all your financial information will prepare you to fill out mortgage applications and provide the data that lenders will request.\nMake a list of all your loans (such as student loans and car loans), the lenders who service them, as well as your monthly payment amounts. Then make a list of all your assets (including checking and savings accounts), retirement plans such as 401(k)s and IRAs, and any other savings you have. Finally, review your credit cards, the balances on each, and any other outstanding debts.\nPersonal accounting apps or websites can help you gather all your financial data in one place and track your spending so you can better manage your money. END