Answers by Lana Rovinelli

A low credit score, high debt to earnings ratio, and spotty employment history can cause difficulty in purchasing a home. Also, savings for a down payment is important as to what type of loan you can get.

U.S. laws allow non-citizens to purchase both residential and commercial real estate of all types, but restrictions can apply in some situations. Call a qualified loan officer and they will be able to help you.

I think that real estate, if bought with care and within your means, is much better than renting. You can build equity in your home, deduct items from your taxes, and create emotional security. Just make sure you a ready financially to buy a home.

Get an inspection, termite, and radon report. If any red flags occur during the general property inspection, like structural, roof, etc., then get the specific inspector for those types of things. Make sure that your Realtor understands the importance of these reports and is readily available to assist you.