Homebuyer Guide

Look at credit, income stability, savings, and recurring debts. The goal is not perfection — it is understanding where you stand and what to strengthen first.

• Review your credit report for errors or collections to discuss
• Keep income documentation organized and consistent
• Avoid opening new credit lines or large purchases
• Identify funds for down payment, closing costs, and reserves

Before touring homes, get comfortable with a realistic payment range — principal, interest, taxes, insurance, HOA, and CDD where applicable.

• Run an educational estimate with Can You Afford It?
• Compare payment scenarios in the Mortgage Calculator
• Talk through comfort level, not just maximum numbers

Pre-approval means a lender has reviewed your documentation. It makes your offer stronger and your search realistic.

• Build your personalized list with the Mortgage Checklist
• Send complete documents — every page, even blank ones
• Discuss which loan programs may fit your scenario

With financing prepared, we focus on location, condition, HOA/CDD costs, insurance considerations, and long-term fit.

• Confirm what your payment looks like in each community
• Ask about insurance, flood zone, roof age, and HOA rules
• Keep your financing team updated as your search evolves

Once under contract, timelines matter. Inspections, appraisal, and deadlines all move together.

• Schedule inspections promptly and review findings
• Understand appraisal timing and what it affects
• Keep deposits, dates, and deliverables on schedule

Underwriting confirms the details. Respond quickly to requests and keep your financial picture stable until keys are in hand.

• Do not change jobs, accounts, or credit without asking first
• Secure homeowners insurance early
• Review your disclosures and prepare closing funds