Review Your Finances
Check your credit score
Your credit score determines mortgage eligibility and interest rates. Higher scores lead to better loan terms, saving you thousands over time.
Assess your budget
Understand how much house you can afford by reviewing your income, debts, and savings.
Improve your position
Pay down existing debts, ensure bills are paid on time, and avoid opening new credit lines while preparing to buy.
Get Pre-Approved for a Mortgage
Submit financial details
Provide income, credit history, and debt information to lenders.
Receive a loan estimate
Learn how much you can borrow and at what terms.
Obtain a pre-approval letter
Show sellers you’re a serious buyer ready to move forward.
Getting pre-approved strengthens your offer and provides clarity on your budget. Need help finding a mortgage lender? I can connect you with great lending agents in Chicago.
How Much House Can You Afford?
Before you start house hunting, it’s important to understand your budget. Use the mortgage calculator below to estimate your monthly payments based on different home prices and loan options. It’s a quick and easy way to get a clearer picture of what fits within your financial comfort zone.
Mortgage Calculator
Find an Agent and Start Your Search
Expert market knowledge
A skilled agent brings local expertise to help you find homes that meet your specific needs and budget.
Define your priorities
Consider location, neighborhood vibe, commute times, school districts, and nearby amenities.
Choose your home type
Decide between condos, single-family homes, or townhomes based on your lifestyle needs.
In Chicago’s competitive sellers market, homes can move quickly, so be ready to act fast when you find something you love!
Make an Offer
Get a Home Inspection
Thorough evaluation
A licensed inspector assesses the property’s structural components, including foundation, roof, plumbing, electrical systems, and HVAC.
Identify issues
The detailed report highlights any areas of concern, from minor repairs to major problems that could impact your decision.
Negotiation options
If significant problems are found, you can request repairs, ask for a price reduction, or walk away from the deal.
Prepare to Close
Finalize your mortgage
Your lender confirms loan details and orders an appraisal to verify the home’s value.
Review closing disclosure
Receive final loan details including monthly payment, interest rate, and closing costs.
Final walk-through
Check that the home is in the agreed-upon condition before closing.
Closing day
Sign documents, pay closing costs, and receive the keys to your new home!
Let’s chat about your home-buying goals
Every home buyer’s journey is unique, and I’d love to help you navigate yours armed with the confidence to make good decisions. Whether you have questions about what kind of monthly payment you can afford, the current housing market, or just where to begin, let’s set up a free one-on-one consultation. Over Zoom, I’ll walk you through the process and answer all your questions—no pressure, just helpful guidance.
