Buying
Preparing to Buy a Home
The best preparation is simple: protect your credit, build documented savings, keep your income and employment steady, and avoid new debt in the months before you apply.
Protect your credit
Pay on time, keep balances low relative to limits, and avoid opening or closing accounts right before applying.
Document your savings
Lenders need to source funds. Large unexplained deposits create delays, so keep records for gifts, bonuses and transfers.
Avoid last-minute surprises
New car loans, job changes and large purchases during the process are the most common causes of avoidable stress. When in doubt, ask first.
Have a question about your situation?
General guidance only goes so far. Vicky will review your specifics and give you a straight answer.
Schedule a ConsultationNext step
Let's talk through your options.
A conversation costs nothing and clarifies everything. Tell Vicky where you are and she'll tell you honestly what's possible — including when waiting is the smarter move.
Prefer to talk now? (805) 886-4052
Or book a time directly: Schedule a Consultation