🌱 Tuesday Tip: 3 Smart Moves Before Applying for a Mortgage

Buying a home starts long before you fall in love with the perfect house. The real foundation begins with your finances — and as a local mortgage lender in Chico, I’ve seen firsthand how a little preparation can make a big difference. Whether you’re ready to buy now or planning for next year, here are three smart moves that will make your mortgage journey smoother and more successful.

1️⃣ Check Your Credit and Clean It Up

Your credit score plays a big role in determining what kind of mortgage you qualify for — and the interest rate you’ll get. Start by checking your credit report for free at AnnualCreditReport.com. Look for errors, high balances, or old accounts you can pay down.

Even a small credit score boost can mean a better loan program or a lower monthly payment. A local mortgage lender can also help you understand how your current credit impacts your options — and guide you on what to do next.

2️⃣ Build Up Your Savings

You don’t always need a huge down payment, but having some savings helps. Whether it’s for your down payment, closing costs, or simply moving expenses, setting money aside shows lenders that you’re financially ready.

As your Chico mortgage lender, I can help you explore programs designed for first-time buyers, low down payment options, and even down payment assistance programs available right here in our community.

3️⃣ Get Pre-Approved Early

Before you start house-hunting, get a mortgage pre-approval. It’s the best way to know your true budget and helps you stand out when making an offer. Sellers love working with pre-approved buyers because it shows you’re serious and ready to go.

A mortgage lender near you can review your income, credit, and goals to customize the best loan strategy — not just what fits on paper, but what fits your lifestyle.

🌿 Let’s Plant the Seed for Homeownership

Whether you’re buying your first home or your next one, having a trusted mortgage lender in Chico on your side makes the process easier, faster, and more personal. Let’s work together to turn your financial goals into keys in hand.

📲 Message or call me today to start your pre-approval and get one step closer to homeownership.