Getting Started

Before you start shopping for a home, it’s important to get your financial foundation in place. We’ll walk you through everything step by step and connect you with trusted local lenders who can make this part of the process smooth, clear, and fast.
Getting Your Documents Together
To get pre-approved and eventually secure your loan, you’ll need to gather a few key documents. It’s best to start early so you’re ready to move quickly when the right home comes along. Here’s what you’ll need:
- Recent pay stubs
- Two years of tax returns
- Bank statements
- Investment and retirement account statements
- Credit card and loan information
- Any leases (if you own rental property)
- A valid driver’s license or other ID
Check Your Credit Score
Your credit score plays a big role in what type of loan you qualify for and the interest rate you’ll be offered. A score above 620 is generally considered solid, while 680+ puts you in a strong position to access the best rates. If you’re not sure where things stand, we’ll connect you with a lender who can help you understand your score—and offer guidance on how to improve it if needed. From this point forward, treat your credit like gold.
Save Strategically & Pay Down Debt
You’ll want to set aside funds for your down payment, closing costs, inspections, and moving expenses. It also helps to pay down high-interest debts like credit cards or car loans. Just for perspective—a $500 monthly debt payment could reduce your home buying power by more than $80,000. Little adjustments now can have a big impact on what you can afford.
Avoid New Debt or Big Financial Changes
One of the biggest mistakes we see buyers make is taking on new debt during the buying process—especially after going under contract. That means no new credit cards, no car purchases, and no big furniture buys until after closing. Lenders watch your financial activity closely, and even small changes can jeopardize your loan approval. If you’re ever unsure, check with your lender or with us before you make a move. Stability is key.