Your roadmap for when you are 6 to 24 months out. Four stops, what to do at each one, and the next step to take, so when you are ready the house part is the easy part.
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Download the PlanTen pages for the buyer who is six months to two years out, with every market figure sourced and dated, and no rates quoted anywhere.
Credit, income, debts, savings and job time. Write yours in and know the gap.
Measure, build, get ready, buy. Move ahead when you finish a stop, not when the calendar says so.
What to ask your lender before you change jobs, buy a car or move money.
Down payment, closing costs and a cushion, as a worksheet you fill in. Your lender confirms the real numbers.
Most of the people I work with were not ready when we first talked. That is fine, and it is usually the best time to start. I will get you on a real home search, point you to a couple of lenders in town I trust, tell you honestly what needs to change, and then leave you alone until you want to move. Education first, no pressure, and no chasing.