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6 Mortgage Hacks to Know

Buying your first home is exciting, but it can feel overwhelming. Paperwork, choosing the right loan, finding a bank you can trust . . . the process can seem daunting. 

But it doesn’t have to be. Your first set of house keys should come with joy, not stress. 

Expert advice. Trusted connections. Straight talk. We’ll walk you through the process. And with these home-buying hacks, we’re here to help you unlock that door.

  1. Get Pre-Qualified First 

Show sellers you mean business. Walking in pre-qualified provides clarity for the seller and confidence for you. 

  1. Budget for More Than the Mortgage 

Taxes, insurance, upkeep… they add up! Know what you’re comfortable spending on not just your monthly payments but also maintenance and any emergency repairs that come with owning a home. 

  1. Boost That Credit Score 

Better score = better rate. Even a small bump in your credit score can make a difference. Visit our Financial Wellness page for access to free resources, including tips and tools to improve your credit. 

  1. Think 5–10 Years Ahead 

Buy for future you, not just today you. Consider your current needs and then consider your goals and aspirations. Hoping to grow a family? Buy an investment property? Have a home office one day? Your “someday” dreams can help influence the home you buy now. 

  1. Never Skip the Inspection 

Pretty walls can hide ugly problems. Many issues aren’t visible at first glance, and it’s always best to let the pros examine the roof, foundation, plumbing and more. A small investment now can help you identify any issues and be more prepared in the long run. 

  1. Don’t Let Emotions Win 

Love the house but keep your wallet in charge. It’s easy to get swept up in turnkey features or bidding wars that stretch your budget. Keep a clear head about your non-negotiables and remember it might not be the right home for you if you're financially stressed before you move in.

Ready to start the process? We’re here to help. Learn more about our mortgage loan options.