Advice for First Time Home Buyers

When we first connect with new clients at Byrnes Financial, one of the most common things we hear is how overwhelming the mortgage process feels. And honestly, that’s a completely valid reaction—there’s a lot of information being thrown your way, and the stakes feel high. Whether you're a first-time buyer or returning to the market after some time, it's natural to feel unsure of where to begin.

But here’s the truth: while the process might seem complicated at first, getting approved for a mortgage is absolutely doable with the right guidance and preparation. One of the first things we recommend looking at is your credit situation. Many people assume they need a perfect 800+ credit score to qualify, but that’s simply not the case. What’s more important is that you know where your credit stands. Free resources like CreditKarma or FreeCreditReport.com can give you a general idea, and if you notice any errors or past-due accounts, now’s the time to address them. Cleaning up your credit—even a little—can make a noticeable difference in what you qualify for.

Once you’ve taken a look at your credit, the next step is preapproval. This starts with a conversation with one of our experienced loan officers, who will walk you through what to expect and help you gather the documents you’ll need: pay stubs, W-2s, tax returns, bank statements, and other basic financial information. At Byrnes Financial, we pride ourselves on making this step as smooth as possible—our team can often provide preapproval the same day, allowing you to get out there and start submitting offers quickly.

Throughout this process, we want you to remember one very important thing: this is one of the biggest financial decisions of your life. Whether you choose to work with Byrnes Financial or another lender, make sure you feel comfortable, supported, and confident in the person guiding you. Ask the questions. Understand the answers. There’s no such thing as a silly question when it comes to protecting your financial future.

At Byrnes Financial, we’re here to simplify the process, empower you with knowledge, and help you take the next step toward owning a home you love. Ready to get started? Reach out today for a no-obligation conversation with a member of our team.