Don’t go straight to Zillow and show up at an open house or call a listing agent! Arm yourself with information first.

Step 1: Check Your Credit

Start by reviewing your credit score to determine your mortgage options. You can access one free credit report annually. A score of 720 or above often secures the best rates, while FHA loans are available to those with scores of 580 or higher. This first step is crucial in preparing to buy your dream home in Houston County.

Step 2: Decide on a Budget

Determine what you can afford by factoring in monthly mortgage payments, taxes, and insurance. Tools like mortgage calculators can help you set a realistic budget. Research the housing market in Warner Robins, Perry, Kathleen, and Bonaire to understand the price range for homes in these areas. Don’t worry—we’ll help you every step of the way!

Step 3: Find a Local Agent

Working with a trusted real estate agent is essential. Look for an agent familiar with Houston County, including neighborhoods in Warner Robins and Perry. The right agent will provide expert advice tailored to your needs and ensure your home search is smooth and successful. You deserve a guide you can trust!

Step 4: Get Pre-Approved

Getting pre-approved for a mortgage strengthens your offer when it’s time to bid on a house. A lender will provide a letter stating the loan amount you qualify for, giving sellers confidence in your ability to close the deal.

Step 5: Start House Hunting

With your budget and pre-approval in hand, begin your home search. Your agent will be invaluable, providing insights on homes in desirable neighborhoods like Bonaire and Kathleen. They can also guide you toward listings that match your needs before they hit the market. This is the exciting part—start imagining your future home!