Buying a home can be exciting and rewarding — but it’s also one of the biggest financial decisions you’ll ever make. Whether you’re a first-time buyer or returning to the market, avoiding a few common mistakes can save you thousands and help your loan process go far more smoothly.
Your credit score drives eligibility and rate. Many buyers skip reviewing or improving it before applying.
💡 Tip: Check early. Pay down balances, make on-time payments, and dispute errors. Stronger scores often mean better pricing.
It’s easy to focus on down payment and forget the fees due at closing — title, attorney, appraisal, and more.
💡 Tip: Budget 2–5% of your loan amount. Ask for a Loan Estimate early so nothing sneaks up.
Shopping first can lead to heartbreak if the home is outside your qualified range.
💡 Tip: Get pre-approved before touring. It shows sellers you’re serious and keeps your search on target.
New loans or big charges right before/during the process can raise your DTI and risk approval.
💡 Tip: Keep spending steady until after closing. Avoid new credit lines and major purchases.
Every loan type trades off cost, flexibility, and time horizon. A mismatch can cost more long-term.
💡 Tip: Compare FHA, Conventional, VA, and other programs. I’ll help map options to your goals so you pick the best fit.
A few smart moves early on make the mortgage process smoother, faster, and more affordable. Plan ahead, ask questions, and keep your financial picture steady — you’ll borrow with confidence and clarity.