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Get Started

Resources to Help You Get Started

Whether you’re just starting to think about buying or ready to move forward, this is a good place to begin.

We’ve put together answers and guidance to help you better understand the process—without the overwhelm.

First-Time Buyer

Getting Started

  • How much you actually need to buy a home
  • What pre-approval really means
  • What costs to expect upfront
  • How to determine a comfortable monthly budget
  • What credit score is needed to qualify for a mortgage
  • Which loan programs may be the best fit for your situation
  • What documents you'll need before applying
  • How the homebuying process works from application to closing

Common Mistakes to Avoid

  • Waiting too long to get pre-approved
  • Making big financial changes during the process
  • Focusing only on price instead of total payment
  • Opening new credit cards or financing large purchases
  • Changing jobs or reducing your income before closing
  • Draining your savings for the down payment without planning for closing costs and emergencies
  • Skipping the home inspection to save money
  • Assuming every lender offers the same rates, fees, and service

Frequently Asked Questions

When should I start the homebuying process?
The sooner the better to prepare. We typically recommend one to two years out in case there is room to improve your situation to get yourself a better deal. Sometimes sooner for self-employe borrowers.
No! Many buyers qualify with as little as 3% down, and some loan programs require even less. We’ll help you explore your options and find the loan that fits your situation.

It depends on the loan, but you may have more options than you think.

Some loans require as little as 3–3.5%, and in some cases even less.

Typically 30 days, but it can vary depending on the situation.
We’ll break this down with you based on your income, debt, and goals—not just a generic calculator.
Yes! A pre-approval gives you a clear budget, strengthens your offer, and helps you move quickly when you find the right home.

Absolutely. We offer loan programs designed for business owners, freelancers, and independent contractors who may not have traditional W-2 income.

Put the below not as an FAQ block, but a description below the boxes.

Every buyer’s situation is different. Schedule a free consultation with our team, and we’ll help you understand your options with no pressure and no obligation.

South Florida Home Buyer Documentation Guide

A downloadable PDF for Documents to Gather for a preapproval
Download the Guide

Still have questions? That’s what we’re here for.

Talk to Our Team