Getting Ready to Buy a Home

A little planning goes a long way when it comes to buying a property!

preapproval for purchase of a home

There are some important steps to take before you begin your home search. 

Where do I begin in the home buying process?

First of all, you need to know your budget. The monthly payment you are comfortable with is one of the first considerations.


You'll need to meet with a lender to get pre-approved for a mortgage so you know how much you can afford. We can refer you to local lenders or you can reach out to your bank or credit union to get this process started. 


Being pre-qualified for mortgage is much different that being pre-approved. Prequalification means that you have given the mortgage company information to see how much you might be able to afford, and the mortgage company has given a vague prequalification based on the information provided. However, to be pre-approved for a mortgage you must submit documentation to back up the income and debt ratios you are reporting.

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Think about what your needs are, versus your wants, in a competitive home market

Once you know your price range it’s time to decide what you want in a home. Start with a wish list of what you WANT in a home and, depending on the budget, we'll narrow it down to MUST HAVES to get a clear picture of what we're looking for.


  • How many bedrooms and bathrooms?
  • Is a large yard important or do you want something with little maintenance? 
  • Attached garage?
  • Move-in ready?
  • Open to a little remodeling to make it more your style?
  • What areas are you considering?
  • Is the school district important to you?


We’ve helped hundreds of clients purchase homes so we know that everyone’s priorities are different. We are here to help you find a home that you are happy with for years to come. 


"I relocated from the Indianapolis area and time was of the essence to find a home. Even though we had a very specific geographic location that we were limited to, and a long list of necessities on my end, the Debbie Miller Team was able to find a home that was perfect for my second home. In an extremely competitive home market I have no doubt that I would not have been able to purchase my home without their guidance and expertise. "

Dean

Westville, IN Home Buyer

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