Patti Warnke

Home
Buyers

Journey of
Home Buyers

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The Home Buying
Process

01

Securing your
finances

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02

Apply For a
Mortgage

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03

Time to go
House shopping

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04

Have the property
Inspected

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05

Close, move into
Your new Home

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Preparing
To Buy

01

Check your
Credit score & report

A good credit score will significantly influence your loan terms. A good credit score of 640 or higher can get you pre-approved with lenders, some lenders still have programs that can get you pre-approved with a score as low as 580. Pay off any large open collection accounts and keep documentation of payment to give to lender. Make all your bill payments on- time and pay down your credit card balances. You have to wait 2 years after a bankruptcy discharge to apply for a home loan.

02

Get
Pre-approved

Pre-approval means you are eligible to get a loan as long as your credit score remains good and nothing changes about your financial situation just before you get the loan. This is a very crucial part of the home buying process, and it gives you more credibility in the eyes of the seller. Know that getting pre-approved is different from getting prequalified.
03

Hire a skilled
Real Estate Agent

You cannot navigate the real estate market on your own without making mistakes that you wouldn’t ordinarily make with a real estate agent. You need a real estate agent who knows their apples, is familiar with the neighborhood you want to live in and knows what homes are worth. More than helping you make informed decisions, remember that purchasing a home involves contracts and contracts should be negotiated. Your real estate agent will cleverly negotiate, make sure you get the best deals and explain the terms of these contracts so that you are aware of what you are getting into. 

04

Buy the home
You can afford

Regardless of what your dream home is, analyzing your financial situation and buying a home you can realistically afford saves you from terrible financial disasters. You do not want to be house poor because of your mortgage.

Documents & Information
Required

Documents and information
For Pre-Approved

These are the documents and information you need for getting pre-approved

Things To Avoid
Before Closing

 8 things NOT to do between your date of getting pre-approved and your closing

Meet Your
Agent

Ready to make the most significant financial decision of your life?

Speak to a savvy real estate agent now!

Patti Warnke

READY, SET, MOVE

When your move in date is near, you’ll want to make sure to collect the proper information for the home to make your transition as smooth as possible.