Your step-by-step guide to getting prepped for homeownership.

Summer is a great time to enjoy the sunshine—but it’s also the perfect season to prepare for a home purchase. If you’re planning to buy a home in the coming months, now is the time to get your finances and documents in order so you’re ready to act quickly when the right home comes along.

At Tidewater Mortgage Services, we believe the key to a smooth homebuying experience starts with preparation. Here’s how you can become mortgage-ready in just 30 days.

✅ 1. Check and Improve Your Credit Score

Your credit score plays a big role in the interest rate you qualify for. Start by pulling your free credit report to check for errors and understand where you stand.

• Dispute any inaccuracies
• Pay down high-interest debt
• Avoid opening new credit accounts

A small boost in your score could make a big difference in your mortgage options!

✅ 2. Organize Your Income and Employment Documents

Lenders will need to verify that you have a stable income and employment history. Begin gathering:

• Recent pay stubs
• W-2s or 1099s from the past 2 years
• Tax returns (especially if self-employed)

Having these ready up front saves time and shows you’re serious when it’s time to get pre-qualified.

✅ 3. Build or Adjust Your Budget for Down Payment & Closing Costs

Start saving now for your down payment and any out-of-pocket expenses. Depending on the loan type, you may need as little as 3% down.
Also, factor in:

• Closing costs (typically 2–5% of the home price)
• Prepaid taxes and insurance
• Moving expenses

Work with a Tidewater Mortgage Loan Officer to estimate what you’ll need—and what loan programs might help reduce those costs.

🎯 Ready to Make Your Move? Let’s Get You Pre-Qualified.

With just a little planning, you can be fully mortgage-ready in 30 days or less. And when the right home hits the market, you’ll be ready to move quickly with confidence.

Tidewater Mortgage Services is here to help you every step of the way—from prep to purchase. Contact us today to speak with a local loan officer and start your pre-qualification process. Your dream home is closer than you think!

📞 Let’s get started—reach out today!