✅ Do’s When Buying a House

1. Get Pre-Approved Before Shopping
   Understand what you can afford and show sellers you’re serious.
2. Work with a Knowledgeable Loan Officer
   Someone like Jacky Hernandez (😉) can guide you to the best loan options and help avoid costly mistakes.
3. Stick to a Budget
   Just because you qualify for more doesn’t mean you should spend it all. Factor in taxes, insurance, and maintenance.
4. Check Your Credit Early
   Know where your credit stands, and if needed, take time to improve it before applying.
5. Save for More Than Just the Down Payment
   Include closing costs, moving expenses, inspections, and emergency savings.
6. Get a Home Inspection
   It’s one of the best ways to avoid hidden surprises and long-term repair costs.
7. Ask About All Loan Options
   FHA, VA, 203K, Conventional, ITIN—you might qualify for more than one.
8. Think Long-Term
   Is this home right for you in 5 years? 10 years? Consider future needs like schools, commute, or space.
9. Communicate Honestly with Your Lender
   Be upfront about your income, debts, and goals. It helps your loan officer find the best solution for you.
10. Stay Organized
    Keep all your documents (pay stubs, tax returns, bank statements) ready and updated throughout the process.

❌ Don’ts When Buying a House

1. Don’t Make Big Purchases Before Closing
   Avoid buying cars, furniture, or opening new credit—this can derail your loan approval.
2. Don’t Quit or Change Jobs Without Talking to Your Lender
   Employment and income stability are key to getting approved.
3. Don’t Skip Getting Pre-Approved
   A pre-qualification is not the same. Get a solid pre-approval before making offers.
4. Don’t Co-Sign for Anyone
   Even if it’s family—co-signing adds debt to your profile and could hurt your mortgage eligibility.
5. Don’t Assume You Need 20% Down
   There are low-down-payment programs (like FHA or Conventional 3% down) that could be a better fit.
6. Don’t Ignore Property Taxes and Insurance
   These affect your monthly payment and can vary by location.
7. Don’t Fall in Love Without Doing the Math
   Emotion can cloud judgment. Always evaluate the numbers before making an offer.
8. Don’t Skip Reading the Fine Print
   Know what you’re signing—especially the loan estimate, contract terms, and closing disclosures.
9. Don’t Delay Sending Documents
   Time-sensitive requests from your lender can impact your closing timeline.
10. Don’t Try to Do It Alone
    The right team (Realtor, Loan Officer, Inspector, Attorney) can save you time, stress, and money.