Thinking About Buying a Home? Start Preparing Now
It’s always smart to start talking with a lender at least six months before you plan to buy. This gives us time to map out a clear path to success — whether that means improving credit, building savings, or fine-tuning your budget — so when the right home comes along, you’re fully ready.
Here’s What the Process Looks Like:
Get Pre-Approved – The first and most important step. A full pre-approval (not just pre-qualification) reviews your credit, income, and assets, giving you confidence in your budget and showing sellers you’re serious. With us, it takes just 24–48 hours.
Start Your Search – With financing in place, you can focus on finding the right home and move quickly when opportunity strikes.
Go Under Contract & Close – Inspections, appraisal, and final loan approval typically take 20–45 days. Because we do the legwork upfront, the rest is smooth sailing.
Why Starting Now Matters
Buyers today have more leverage than in years past:
• More inventory
• Less competition
• Motivated sellers willing to help with closing costs and rate buy-downs
This is especially valuable if you don’t have a lot of upfront cash. But the window won’t last forever — by spring, competition traditionally heats up again.
The Bottom Line
The earlier you start, the stronger your position. If you’d like to take advantage of today’s buyer-friendly market before the spring frenzy hits, now’s the time to begin the conversation.
