When Should I Start the Purchasing Process as a Home Buyer?

We get this question a lot!

“When should I start the purchasing process as a home buyer?”

To answer that, let’s talk about the purchasing process itself. A lot of potential home buyers are confused about the process…sort of like the “chicken or the egg” situation, which comes first?

It is very exciting to begin looking at homes and dreaming big, but those dreams may be headed for a crash landing if you do not know how much home you can actually buy.

We always…repeat…ALWAYS recommend you speak with a mortgage lender and begin the loan pre-qualification process first at least 6 months BEFORE you begin looking at homes for sale. Why is this important?

First of all, as stated above, you don’t want to begin looking at homes you may not be able to afford. This can easily take the wind out of your sails and distract from your goal of finding the perfect home for you. That being said, when you know how much home you can purchase, we can help you maximize the value of your loan limit to find you the best possible property to suit your wants and your needs.

Secondly (and equally important), we want to make sure that should there be any derogatory information on your credit report, that you have plenty of time to take care of those issues before you attempt any final loan pre-approvals. Having a clean credit rating can save you a LOT of money in your mortgage payments because you will qualify for a better interest rate.

We are here to help. We have all kinds of great information about the home buying process at, or you can call us directly with your questions at 661-290-3802.