Buying a home starts long before you start touring! Checking your credit, saving for closing costs, and having your financial documents ready can make the process much smoother. A little prep now means fewer surprises later! Ready to take the next step? Let’s connect and get you moving!

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Before You Apply for a Mortgage

Buying a home starts long before you set foot in an open house or start scrolling through listings. Getting preapproved for a mortgage is a smart first step, but a little prep work before that can make the process much smoother.

First, check your credit score. Lenders use this number to determine your interest rate and loan terms, so it’s a good idea to know where you stand. Next, avoid major purchases or new lines of credit before applying for a mortgage, as these can impact your debt-to-income ratio and potentially lower your credit score.

Start saving for closing costs, which typically range from 2% to 5% of the home’s purchase price. And don’t forget to gather all your financial documents, like recent tax returns, bank statements, and proof of income—these are essential for a smooth preapproval process.

Taking these steps now can save you time and stress later, making you a more competitive buyer in a fast-paced market. Ready to get started? We’re here to guide you every step of the way. Let’s chat about your homeownership goals!

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