5 Quick Steps to Get Ready to Buy a Home
Buying your first home (or your next one) doesn’t have to feel overwhelming. A lot of people start scrolling through listings before they’ve even nailed down the basics — but the truth is, the best homebuyers are the most prepared ones.
Whether you’re six months out or just starting to think seriously about homeownership, these five quick steps will set you up for success.
1. Get Clear on Your Budget 💰
Before you fall in love with a house on Zillow, take a good look at your financial picture.
Check your credit score. A 620+ score can qualify you, but 680+ will help you secure better rates.
Calculate your savings. You’ll need funds for a down payment and closing costs (typically 3–6% of the purchase price).
Decide what’s comfortable monthly. Remember, your mortgage payment will include taxes and insurance.
💡 Pro Tip: Even if you’re not ready to buy yet, improving your credit and building savings now can make a big difference when it’s time to apply.
2. Get Pre-Approved 🏦
This is where it starts to feel real. A pre-approval tells you exactly what you can afford — and shows sellers you’re serious.
Talk to a trusted lender (I can connect you with a few great ones!).
Learn about your options — FHA, Conventional, VA, or USDA loans each have their own benefits.
Know your numbers — once you have your pre-approval letter, you can confidently shop within your price range.
💬 Think of this as your “green light” to start home shopping.
3. Define Your Must-Haves vs. Nice-to-Haves 🏠
Before you start touring, get clear on what matters most.
How many bedrooms and bathrooms do you need?
What neighborhoods or school zones fit your lifestyle?
Do you want a new build or something with character?
Having this clarity saves time — and helps me (your Realtor 😉) find homes that truly fit your vision.
💡 Pro Tip: Think about your daily routines — your commute, kids’ activities, or pets — and how each home will support your lifestyle.
4. Start Watching the Market 👀
Even if you’re not ready to buy yet, it’s smart to start studying your local market now.
Set up property alerts through Bright MLS or ask me to create a customized search for you.
Take note of how long homes stay on the market and what they sell for.
Watch how prices shift month to month.
The more familiar you are with listings in your favorite neighborhoods, the more confident you’ll feel making an offer when the time comes.
5. Keep Building Savings & Stability 💼
Even after pre-approval, keep your financial picture consistent. Avoid large purchases or new credit lines while preparing to buy.
Make sure you have your key documents ready:
Recent pay stubs
W-2s or tax returns
Bank statements
Proof of funds or ID
💡 Pro Tip: Having everything organized upfront helps you close faster and with less stress once you find your dream home.
Ready to Start Your Journey?
If homeownership is one of your goals this year, now’s the perfect time to take the first step.
💬 Download my free Quick Homebuyer Checklist — it walks you through each step in detail and helps you stay organized as you prepare to buy.
