5 Money Moves to Make Before You Buy Your First Home

Simple steps to get ready, even when you work for yourself.

Buying your first home is exciting. It can also feel like a lot. So let's make it easy. Here are five money moves that'll get you ready, one step at a time.

1. Know your real numbers

First, get clear on what you actually earn and spend. If you run a business, keep that money in its own account, away from your personal stuff. Clean records make everything smoother when it's loan time.

2. Save for more than the down payment

Most folks think about the down payment, and that's smart. But you'll also want money for closing costs and a little cushion after you move in. Life happens. A safety net helps you sleep at night.

3. Keep an eye on your credit

Your credit score helps decide your loan and your rate. Pay your bills on time. Try not to max out your cards. If you want to check it, you can pull a free report and see where you stand. Small fixes can add up fast.

4. Don't make big money moves right before you buy

This one trips people up. Right before you buy is not the time to open a new credit card, buy a car, or move big chunks of money around. Lenders like to see things steady. Keep it calm and boring for a few months.

5. Get pre-approved with the right lender

A pre-approval tells you what you can spend, and it tells sellers you're serious. If you're self-employed, work with a lender who knows business owners. The right one makes this part feel easy instead of scary.

You don't have to do this alone

That's the whole point of having me in your corner. We go step by step, and I'll never let you feel lost. When you're ready to start, I'm right here.

Whether you're a first-time buyer, a self-employed woman, a VA buyer near Travis AFB, or relocating to Solano County from the Bay Area, these steps apply to you. I work with buyers and sellers in Fairfield, Vacaville, Vallejo, Benicia, Suisun City, and Dixon every day. Reach out when you're ready.

Erika Walthall, REALTOR® serving Solano County, CA. eXp Realty · DRE# 02128762. No pressure, ever.