What to Do to Get Ready to Buy a Home

What to Do to Get Ready to Buy a Home

Smart Steps to Make Your Move Easier and More Successful

Thinking about buying a home? Whether it’s your first or your fifth, preparation is key — especially in today’s market. As a local Realtor and longtime military spouse who’s been through more relocations than I can count, I know how important it is to feel informed and confident before you start house hunting.

Here’s how to get ready to buy a home the right way:

1. Check Your Credit Score

Your credit score plays a big role in the mortgage rate you’ll qualify for.

• Review your score and report for errors.

• Pay down any credit cards or loans where you can.

• Avoid opening new lines of credit right before applying for a mortgage.

Goal: Aim for a score of 620 or higher — the better the score, the better the rate!

2. Know Your Budget

Take a close look at your income, savings, and monthly expenses.

• Use a mortgage calculator to estimate your buying power.

• Factor in taxes, insurance, and maintenance costs.

• Remember: Just because you qualify for a certain amount doesn’t mean you need to spend it all.

3. Get Pre-Approved, Not Just Pre-Qualified

A pre-approval shows sellers you’re serious — and it gives you a clear price range.

• Connect with a trusted lender (I can help you find one!).

• Gather your income statements, bank info, and credit details.

• This step comes before you start house hunting.

4. Start Your “Must-Have” List

What does your ideal home look like?

• How many bedrooms or bathrooms?

• Do you want a big yard, a short commute, or a quiet neighborhood?

• Think about your lifestyle now and in the next few years.

5. Know the Upfront Costs

It’s not just about the down payment.

• You’ll also need money for closing costs, inspections, and moving expenses.

• Ask your agent or lender what to expect so there are no surprises later.

6. Find the Right Agent

This is a big decision — you deserve someone who’s in your corner.

• Look for a Realtor who knows the area and understands your goals.

• If you’re a military family, work with someone who truly gets the PCS process (that’s me 👋).

• Your agent should educate, guide, and advocate for you from start to finish.

7. Start Watching the Market

Get a feel for what’s available in your desired area.

• Set up alerts for new listings.

• Follow local market trends and price changes.

• I can set up a custom search just for you, so you don’t miss a thing.

Ready to Make a Move?

Whether you're relocating, buying your first home, or simply exploring your options, I’m here to make the process clear and stress-free. Let’s talk about your goals and create a step-by-step plan that fits your timeline.

📍 Clarksville, Fort Campbell, & Greater Nashville
📞 931-561-7570

     877-366-2213
🌐 hausscouts.com
📧 mgtnhomes@gmail.com