One of the most common questions I hear from future buyers is:
“Kristin, where do I even start?”
Most people assume the first step is browsing homes online or touring open houses. The truth?
The very first step to buying a home is getting pre-approved with a lender.
Let me explain why this is so important—and how it sets you up for a successful purchase.
When you get pre-approved, a lender reviews your income, credit, debt, job history, and assets to determine what you qualify for. This gives you real numbers to work with—not guesses.
Without pre-approval, you risk:
Shopping outside your true price range
Falling in love with a home you can’t buy
Losing out to another buyer with a letter in hand
Making an offer sellers won’t consider
Just because a lender approves you for a certain amount doesn't mean you have to spend it. Pre-approval simply gives you clarity—what you can afford, what payments look like, and what you’ll need for closing.
In today’s Central Valley market—especially in Chowchilla, Madera, and Merced—homes can move quickly. When the right one hits the market, you need to be ready.
A pre-approval letter tells sellers:
“I’m serious, prepared, and qualified.”
With over a decade of experience, I work closely with trusted local loan officers who communicate well, move fast, and offer competitive programs. If you don’t have a lender yet—I can connect you.
Getting pre-approved early helps you:
Shop confidently within your budget
Estimate your monthly payment
Explore loan + down payment options
Identify credit issues before they matter
Submit stronger, cleaner offers
Many buyers are surprised by what they qualify for—sometimes more, sometimes less. Either way, knowing upfront gives you peace of mind.
You don’t have to figure this out alone. When you reach out to me, I’ll help you:
Understand what lenders need
Get matched with loan officers who fit your goals
Gather the documents needed for pre-approval
Ask smart questions about rates, programs & payments
I’ve helped hundreds of Central Valley buyers take their first step with confidence—and I’d love to help you do the same.
Ready to start your home-buying journey?
Let’s take Step One—together.
📞 559-474-1600
📧 kristinprice007@gmail.com