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Do This First

Determine Your Budget: Calculate how much you can afford to spend on a home. Consider your current savings, income, and expenses. You may want to consult with a financial advisor or mortgage lender to get a better understanding of your financial capacity.

Check Your Credit Score: A good credit score is crucial when applying for a mortgage. Review your credit report, address any issues, and work on improving your credit score if necessary.

Get Pre-Approved for a Mortgage: Before you start house hunting, get pre- approved for a mortgage!! This will give you a clear idea of how much you can borrow and what your interest rate might be. Offers in this area mostly need that done and will accompany the offer paperwork. Beware of the big-name loan institutions. They are not always the best deal. In-state local is smarter in our opinion and experience. Get pre-approved for a mortgage!!!!

Pre-Qualify – Exchange Bank (
Noemi Molina 785.307.8633 (Cell)
Home (
Samantha Waggoner 785.477.0520 (Cell)

Identify Your Needs and Wants: Make a list of your must-haves and nice-to-haves in a home. Consider factors like location, size, number of bedrooms, and any specific features you desire.

Talk to us about all this and let us help you. Pre-planning is a specialty of ours and it ensures a good and successful home purchase. Do we know bankers of course we do. See the two I recommend in the links below. We get nothing from these bankers personally, but I do trust they will take care of you. Leslie and I are here for you. We love doing this and helping you brings us such joy. Call us direct, email, or text and we will get right to it.

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