When is a good time to reach out?
Earlier than most people think. Plenty of clients reach out eight or twelve months before they plan to buy, just to understand what's possible and what to work on.
What should I have ready?
Nothing. It helps to have a rough idea of your timeline and price range, but figuring that out is exactly what the conversation is for.
What happens next
- I reply within one business day, usually sooner
- We talk for about 20 minutes by phone or video
- You decide what's next: a pre-approval, or a plan to check back later
The bottom line
Asking questions is free and doesn't affect your credit. Start whenever you're curious.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.