Items to Consider and Organize Prior to Home Buying

• Determine your budget. Look at current finances and establish a realistic budget for purchasing a home. Remember to consider down payment, monthly mortgage payments, and closing costs.
  
  
• Gather necessary documents. Before working with a lender or a real estate agent, you are going to want to start gathering and organizing your documents. We recommend keeping them all in a folder or digital space. Documents include at least pay stubs, tax returns, identification, and bank statements.
  
  
• Get pre-approved. Reach out to lenders and get pre-approved for a mortgage loan.  This can help narrow your home search. Contact us for lender recommendations!
  
  
• Define your housing needs. Create a list of desired home features, numbers of baths and bedrooms, and other amenities to help your agent find properties you will love!
  
  
• Find a reliable real estate agent. Contact Focus Realty and get started on the journey to finding your dream home!