🌱 What’s the Best Way to Start the Homebuying Journey? Start Planting Seeds Today.

Buying a home doesn’t happen overnight—just like growing a strong, beautiful plant, it starts with a seed. Whether you’re hoping to buy in 6 months or 2 years, taking small steps now can set you up for success when you’re ready.

As a mortgage advisor based in Chico, California, I’ve helped many clients—especially first-time buyers—start their journey with confidence. If you’re in the LGBTQ+ or Hispanic community, or simply someone who wants honest advice and a custom plan, I’m here for you.

Here’s how to start “planting seeds” for your homeownership journey:

🌿 1. 

Check Your Credit (But Don’t Panic)

Your credit doesn’t have to be perfect to buy a home. The key is knowing where you stand and making small improvements. A quick credit check can tell us what lenders see and what steps—if any—you need to take.

🌿 2. 

Create a Custom Plan

Everyone’s journey looks different. Some people need help saving for a down payment. Others may qualify for grants or first-time homebuyer programs. I’ll help you build a plan based on your timeline and goals.

🌿 3. 

Start a Paper Trail

Lenders will want to see things like pay stubs, taxes, and bank statements. Starting a folder (digital or physical) now can make the process smoother later.

🌿 4. 

Talk to ME!

Online estimates can be way off—especially in areas like Chico. Working with someone who knows your market gives you accurate info, tailored advice, and more options to work with.

🍃 The Bottom Line: It’s Never Too Early to Start

You don’t have to be ready to buy to start preparing. Think of this as your financial garden. The sooner we start planting, the more time your seeds have to grow.

When you’re ready, I’ll be right here to help those dreams take root and bloom. 🌸

📲 Ready to Start?

Let’s chat. Whether you’re buying soon or just getting curious, I’ll help you take that first step—judgment-free, and always in your corner.