Financial Preparation

 Get Pre-Approved for a Mortgage – Know your budget and show sellers you're a serious buyer.

1. Check Your Credit Score – Helps determine loan options and interest rates.
2. Determine Your Down Payment – Know how much you can put down and explore assistance programs if needed.
3. Budget for Additional Costs – Factor in closing costs, inspections, moving expenses, and potential repairs.

• Identify Your Must-Haves – Bedrooms, bathrooms, location, size, etc.
• List Your Nice-to-Haves – Pool, view, extra garage space, smart home features, etc.
• Choose Your Ideal Location – Consider commute times, schools, amenities, and lifestyle needs.
• Decide on Property Type – Single-family home, condo, townhouse, investment property, etc.               

• Proof of Income – Recent pay stubs, tax returns, W-2s, or 1099s.
• Proof of Assets – Bank statements, investments, or gift funds for the purchase.
• Employment Verification – Some lenders may require a letter from your employer.

• Understand the Market – Research home prices in your desired area.
• Be Ready to Act Quickly – Competitive markets require fast decision-making.
• Know Your Timeline – When do you need to move? Lease ending? Relocation?
• Familiarize Yourself with the Buying Process – Helps avoid surprises and delays.