First time home buyer?
Don't just start looking at houses. Know what you're looking for first.
Whether you're ready to buy now or 6 to 24+ months away, the right preparation changes everything about how you buy.
Why pre-approval matters
A pre-approval is more than a yes from the bank.
Done properly, it's a full picture of your purchase before you fall in love with a listing. It helps you understand:
- What you can actually afford
- What your monthly payment could look like
- How much cash to keep available
- Which down payment strategy makes sense
- Which mortgage options may fit
- Government programs or incentives that may apply
- Tax strategies worth discussing
- The price range to realistically shop in
Protect yourself with a rate hold.
Many lenders offer a rate hold with an eligible pre-approval, often for up to 120 days, depending on the lender and product. If rates rise while you shop, your held rate can protect you. Terms vary, so we'll confirm exactly what applies to you.
Path 01
Ready to start?
A low-pressure conversation about your goals, then a pre-approval built on real numbers so you and your realtor can move with confidence.
Start My Pre-Approval- A proper pre-approval, not a quick estimate
- Monthly payments and down payment options, explained
- Mortgage strategies compared side by side
- Programs, incentives and tax-saving opportunities
- A rate hold where your lender and product allow it
- Shopping confidently with your realtor
Path 02 · Not ready yet?
The Homeownership Blueprint.
You don't need to be ready to buy a house to start preparing for one. Spend 90 seconds and learn something genuinely useful about your future.
What it assesses
Home Readiness Score
?/100
Your result
- 01An estimate of what you may afford today
- 02A Home Readiness Score out of 100
- 03Your personalized blueprint
- 04Specific steps to improve your position
- 05An approximate timeline to homeownership
- 06Strategies and programs to know early
- 07What to focus on before you apply
Talk to Pete
Let's map out your strategy.
A short call is all it takes to see where you stand and what makes sense next. No pressure, just clarity.