What Can You Afford?
Use this worksheet to calculate how much you can comfortably spend on housing each month.
📊 Monthly Budget Calculator
1 Monthly Income
2 Monthly Non-Housing Expenses
Amount Available for Monthly Housing
4 Monthly Estimated Housing Expenses
Can You Afford This Home?
Home Buyer’s Checklist
Use this checklist to identify your must-haves, desired features, and nice-to-haves.
🏠 Your Dream Home Criteria
Feature Priority Checklist
| Feature | Nice to Have | Desired | Must Have |
|---|---|---|---|
| Garage | |||
| Fenced-in Yard | |||
| Pool | |||
| Deck/Patio | |||
| Hardwood Floors | |||
| Open Floor Plan | |||
| Updated Kitchen | |||
| Master Bathroom | |||
| Home Office | |||
| Central Air | |||
| Walk-in Closet |
Loan Application Checklist
Don’t let the application process slow you down! Have these documents ready to speed up your approval.
📄 Documents You’ll Need
Personal Information
Employment & Income
Assets
Liabilities
Property Information
Mortgage Do’s & Don’ts
Your credit, income, and assets are verified after you submit your application—and sometimes right before closing. Follow these tips!
✅ DO
- Call your mortgage consultant if you’re unsure if something will impact your loan.
- Keep original documents — all pay stubs, bank statements, and financial documents.
- Pay all bills on time — late payments impact your credit score.
- Continue working at your current job until after closing.
- Respond quickly to any requests from your loan processor.
- Keep your bank accounts stable — avoid large deposits or withdrawals.
❌ DON’T
- Apply for new credit or increase credit limits during the loan process.
- Max out credit cards — keep balances below 30% of limits.
- Consolidate debt or close credit card accounts.
- Make large purchases — cars, furniture, appliances, etc.
- Change jobs or positions without consulting your lender first.
- Co-sign on another person’s loan.
- Change your name or address during the process.
Steps in a Real Estate Transaction
What happens from start to finish in buying your home.
Get Pre-Approved
Connect with Adam & His Team to get pre-approved for your loan first—this tells sellers you’re serious.
Connect with a Realtor
Find a licensed real estate professional to guide you through finding the right home.
Find Your Home
Work with your realtor to find and make an offer on your dream home.
Sign Contract
Sign purchase contract and provide earnest money funds.
Inspections
Order termite and mechanical inspections to assess the property.
Title Process
Title company opens file, orders title commitment, and reviews for defects.
Loan Approval
Receive final loan approval from your lender.
Closing Scheduled
Set closing date with escrow officer at title company.
Close & Get Keys!
Sign documents, funds are distributed, and you get the keys to your new home!
Moving Checklist
Stay organized before and after your move with this handy checklist.
📦 Your Moving Checklist
Before the Move
After the Move
Mortgage Calculator
Estimate your monthly payment based on home price, down payment, and interest rate.
💰 Calculate Your Payment
Enter your details below to see your estimated monthly payment
*This calculator provides estimates only. Actual payments may vary. Contact Adam for a personalized quote.
Ready to Start Your Home Buying Journey?
Adam & His Team are here to guide you every step of the way. Get started today with a free, no-obligation consultation.
LET’S TALK