Getting Your Ducks in a Row for a Home Purchase

March 30, 2021

If you’re ready to get serious about buying a home, there are a few things to get lined up before even browsing the listings …ok fine, you’re already doing that–but at least take these steps before you begin visiting homes and making offers!

Check Your Credit

How is your financial situation looking? Do you have any dings on your credit? Are you carrying large balances on credit cards? How is your cash flow? All of these factors affect your ability to qualify for a home loan, so take whatever steps you can to improve your financial outlook, whether it’s tightening the budget or looking for ways to make some extra money.

Note: Do not open new lines of credit while preparing to apply for a home loan.

Find a Mortgage Advisor/Lender

Your mortgage advisor will walk you through the process of submitting an application and documentation for a home loan. They’ll discuss various loan options (there are a lot out there for all types of situations!), and help you decide what you can afford. If you don’t have a mortgage advisor, contact us and we can get you connected.

Get Preapproved

Your mortgage advisor can run quick calculations to assess your situation (prequalification), but you’ll want to take it a step further and get a preapproval. When you are ready to make an offer on your dream home, you’ll want it to be accompanied by documentation of your preapproval–this shows that you are serious about the purchase, preapproval will make your offer more attractive to sellers.

Set a Budget

Your preapproval will specify a dollar amount for which you qualify, but qualifying for an amount doesn’t necessarily mean you should purchase at that price level. Your advisor will present you with options that include projected monthly payment amounts at various pricepoints–be sure you are studying those bottom-line numbers, and taking in to account other new expenses like property taxes, insurance, and increased spending on home maintenance.

As you view homes you’ll be tempted to bump up your price point–always calculate your new monthly payments to evaluate your options

Recent Instagram Posts


📍$1,125,000 in WEST LINN, OREGON listed by RRG agent @heatherallredjones.

5 bedrooms + Office | 3.5 bathrooms | 4,125 square feet

-Spacious and updated with over 4000 sq ft
-Luxurious primary suite with lavish en-suite bathroom
-Versatile layout with home office and bonus room
-Outdoor entertainment space with deck, patio, and built-in barbecue

Want to see more pictures and the floor plan? Check out the link in my bio or in stories!

Follow us @robbinsrealtygroup for exclusive listings and insights into the Portland metro real estate market.

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I had no idea this sweet girl would remember me years later and I consider it a privilege that I was able to be there for her and comfort her during an anxiety attack when she was so far away from home!

When you do good things it comes back to you in the most surprising ways! Now my buyers have a beautiful home they are enjoying!

Win - win! 💚 🥳

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You won’t believe what happened to me and a client while out looking at a house. 😬😳😱

So scary, right?!

It was insane and freaked us out! When I called the listing agent his response was, “Oh, I thought the sellers were going to take it out.”

I have no words! There’s always an adventure in real estate but thank goodness we were both safe! 😰

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Life can throw unexpected challenges or changes in our finances, and if you find yourself struggling, for any reason, don’t hesitate to reach out. I’m passionate about assisting individuals, facing financial distress, find a way out.

It’s important to recognize that each situation is unique, and what might work for one person may not be the best solution for another. That’s why it’s always a good idea to seek advice from a financial advisor or a real estate professional like myself before making significant changes to your mortgage strategy. 💚

If you’re ready to discuss your mortgage and real estate needs, I’m here to lend a helping hand. Reach out to me, and let’s explore the options available to you.

#westlinnoregon #westlinnrealestate #tualatin #lakeoswegorealestate #wilsonvilleoregon #pdxrealestateagent

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I learned the hard way…

…but now I am always prepared!

I should add toilet “un-plugger” to my list of real estate duties! 🤣😅💪🏼

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You guys…I can’t make this stuff up!

The strangest request in an offer that came across my desk…😬🤷🏼‍♀️

Why do you think they wanted all the trash? 🫣 ⬇️

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📍$769,900 in DAMASCUS, OREGON listed by RRG agent @heatherallredjones.

4 bedrooms + Office | 3 bathrooms | 3,011 square feet

-Custom built with open floor plan
-Abundant windows with stunning views
-Primary suite on main floor
-Spacious kitchen
-Large crawl space with possible ADU opportunity

Want to see more pictures and the floor plan? Check out the link in my bio or in stories!

Follow us @robbinsrealtygroup for exclusive listings and insights into the Portland metro real estate market.

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