Do you already know where you want to buy? Which features do you like/dislike? What’s available on the market now? Now’s the time to start researching. Take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

Determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. Do not overlook expenses like utilities, or HOA fees that add up quickly.

Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. Not only will that help guide you on what to look for in a home, this will also be an advantage when you make an offer on a home, as some sellers may not entertain offers from those who aren’t already prequalified for a loan.

Using an agent costs you nothing as the buyer + takes much of the stress off of your shoulders. Not only will I help identify properties you might be interested in, arrange showings, & ultimately handle the offer process, but I have a knowledge of the market. I can suggest hidden gems, or give you pointers that will help you find your dream home for the right price!