There are SO many things to think about as a first-time homebuyer. I should know — I’m a realtor who has purchased her fair share of properties!

If you’re preparing to buy your first home, my top tip is to relax. Try not to get overwhelmed by the millions of articles online, all telling you different versions of what you should and shouldn’t do. The reality is that everyone’s home-buying situation is different, and you have to do what works best for you.

Having been in this industry for a while, I can honestly say that there are only three things I recommend to everybody. These are tried and true staples that pay off no matter who you are or what your story is (and that’s pretty rare in today’s world!).

First, I recommend checking your credit score. It’s like a report card for your finances! A higher score means a better mortgage rate — and you definitely want that.

If your credit score could use some work, you can start improving it by paying down debts and holding off on new credit. But (emphasis on the BUT) don’t close any credit accounts! This is super important because closing an account (especially one you’ve had for a long time) can lower your score.

Next, you’ll want to get pre-approved. Think of this as your golden ticket to homeownership. It tells you exactly what you can afford and shows sellers that you’re serious about buying. Trust me — this will make your home search way smoother!

(Psst… want a serious lender who is also kind? Just ask! I have a few great ones I can refer you to, depending on your needs and desires.)

And finally, I highly recommend saving for upfront costs. This is more than just a down payment. You’ll also need to cover closing costs (property taxes, homeowners insurance escrows, etc.), inspection fees, and appraisal fees. Planning for these means fewer surprises down the road (something we LOVE when it comes to buying a house).

Ready to take the first step? Feel free to reach out. I’m happy to help you get started on your journey toward homeownership in Midland.