Ready to buy your first home? Let’s get started!

Pathway to Homeownership

• Minimum 580 Credit Score

• Low or No Debt

• Seek Realtor & Apply with Lender

• Get Pre-Approved & House Hunt

• Place Offer on Home

• Offer Accepted!

• Inspections & Appraisals

• Closing Day

• #NewHomeowner

Schedule your free consultation!

Helpful Tips

1. I recommend applying with several lenders within 30 days. Each lender will have a different pre-approval amount and interest rate. Your credit will only be dinged once within that 30 days because the bureaus recognize that you are house-hunting.

2. Do NOT make any major purchases during the home buying process. Purchases can affect your debt-to-income ratio. Buy furniture, electronics, cars, etc. AFTER you close on your home.

3. Set aside at least $5,000.00 towards purchasing your first home. Your lender will let you know the type of loan you are approved for (FHA, VA, Conventional, USDA, etc.), your down payment amount and closing costs estimation.

4. Some companies allow a one-time loan without penalty from an IRA for down payment or closing costs.

5. You will also need to set aside money for inspections (about $400.00) and appraisals (vary)

6. It takes about 45 days to close on a home. You first mortgage payment will be about 5-6 weeks after you close on your home.

7. Your first home will not be your forever home. Be open-minded, yet realistic about your expectations.

8. If our offer does not get accepted, it’s okay. We will try another home. It is common for a seller to have at least 10 offers on a home. We have to be aggressive in our offer, but what is meant for you WILL BE MEANT FOR YOU!

9. If a home has HOA (Homeowner’s Association) Dues, you must pay the dues as requested. Dues may be monthly, quarterly or annually. You may lose your home if you are delinquent on your dues.