5 Smart Steps to Prepare for Your Home Purchase in 2026

Buying a home is one of life’s most exciting milestones—but it can also feel overwhelming if you’re not prepared. At Town Team Mortgage, we believe that a smooth homebuying journey starts with a solid plan. Whether you’re a first-time homebuyer or looking to upgrade, these five steps will help you set yourself up for success in 2026.

1. Check Your Credit Health

Your credit score plays a major role in determining your mortgage options and interest rates. Start by reviewing your credit report and disputing any errors. Pay down high-interest debt and avoid opening new credit lines before applying for a mortgage for a home purchase. A strong credit profile can save you thousands over the life of your loan.

2. Set a Realistic Budget

Beyond the home purchase price, factor in closing costs, property taxes, insurance, and maintenance. Use a mortgage calculator (Town Team's Mortgage Calculator) to estimate monthly payments and make sure they fit comfortably within your financial goals. Remember: your budget should allow room for unexpected expenses.

3. Get Pre-Approved Early

Mortgage pre-approval gives you a clear picture of what you can afford and strengthens your offer when you find the right home. It also helps you move quickly in competitive markets. Sellers love buyers who are pre-approved, it shows you’re serious and ready to close. (Click here to get preapproved in 24 hours or less)

4. Explore Home Purchase Loan Options

From conventional loans to FHA and VA programs, there’s no one-size-fits-all solution. Each loan type has unique benefits, so it’s important to understand your options. Barry and Zach at Town Team guide you through the choices and help you select the best fit for your situation.

5. Partner with Experts

Working with a trusted mortgage advisor and real estate agent can make all the difference. They’ll help you navigate the process, avoid pitfalls, and secure the best deal possible. At Town Team Mortgage, we’re here to simplify your journey and make homeownership stress-free.

Ready to get a head start your homebuying journey for 2026? Contact Town Team Mortgage today and let’s make your dream home a reality!