As your lender, let me be straight with you: it’s way too easy to fall for a house that’s gorgeous… and completely out of budget. Let’s not do that. Here’s how to stay grounded:
1. Start with your non-negotiables.
Location, layout, school zone — the things you *can’t* change. Focus there. Fixtures can wait.
2. Get preapproved before you get attached.
It’s like bringing cash to an auction — it shows you’re serious and keeps you in budget.
3. Tour with purpose.
Limit the Zillow binging. Take notes. Compare what you saw to what you *really need*.
4. Think beyond next month.
Is the neighborhood growing? Could this home work long-term? If yes — you’re onto something.
