Certainly, location plays an important part in your home buying journey; but, wouldn't we all live in our own paradise if we could? The greater factor is affordability. We live in the best place that we can afford. Most of us when we purchase a home don't have the cash on hand to buy the home that we desire. So, we need to finance the home with a loan. But how much home can you buy? Nothing is more frustrating than previewing a number of homes only to find out that none of them meet the affordability test. So, as a key first step, well before falling in love with an unaffordable home, get pre-approved! The Pre-approval process will let you know how much money is available for the house that you'd like. You'll also have a good idea of what the monthly payment will be. Known credit blemishes can be reviewed and handled. Unknown credit hits may be uncovered and subsequently dealt with before you search for a home. It is best to obtain a Pre-Approval from a Lender who is competent, confident, and has programs available to fit the needs of a variety of credit and income scenarios. A good lender will help to determine your loan amount, project your monthly payment, and lock in an interest rate early. I can provide lender recommendations that will give their best when working with home buyers in the areas of the property location and between us, we've got decades of experience.Once you receive your Pre-Approval from your Lender, you are now ready to move onto the next step on your home buying journey with me. Once you receive your Lender Pre-Approval, you are ready to move onto the next step on your home buying journey with me. I will take the baton from the Lender, and as your Broker, we can go home shopping comfortably. Call Maria Chambers at 530-355-8994 and let's work together through the entire process of home ownership.