From improving your finances to finding the right home, each step you take brings you closer to the day you hold the keys. Use this resolution-style checklist to help you prepare, stay motivated, and confidently qualify for a home loan this year.

Resolution #1: Start Getting Your Finances in Order

• Checking your credit score and credit report
• Creating a realistic monthly budget
• Identifying debts you may want to reduce
• Reviewing your savings for upfront costs
• Making on-time payments consistently
• Avoiding large new debts
• Keeping credit card balances low
• Maintaining stable employment

These habits not only improve your chances to qualify for a home loan, but they can also help you secure better loan terms.

Resolution #2: Define Your Homeownership Goals

A new year is a great time to think about what you truly want in a home — discovering what fits your budget, routine, and needs.

Consider:

• The size and layout that fits your lifestyle (take a helpful quiz here)
• Space for working from home or future growth
• Energy-efficient features that support long-term savings
• Communities that align with your daily routine

Many buyers are drawn to new construction homes because they offer modern design, flexible floor plans, and energy efficiency built in from the start.

Resolution #3: Meet with a Betenbough Homes New Home Specialist

Schedule an appointment for a New Home Tour at Betenbough Homes! You'll look at our affordable homes for sale, receive recommendations on a floor plan and community, and have the opportunity to tour both. In addition, our team will connect you with one of our preferred loan officers who will best meet your needs. Whether you're a first-time home buyer, in need of credit repair, or require financial assistance, these representatives can get you on the right path!

Speaking with one of our team members and a preferred loan officer helps you:

• Narrow your home search
• Shop within your comfort zone
• Move faster when you find the right home

This step makes the rest of the buying process smoother and more confident. At Betenbough Homes, you do not need to be pre-qualified for a loan before meeting with us, so schedule your tour today!

Make Homeownership Your Best Resolution Yet

If qualifying for a home loan and buying a home are on your list this year, starting early and staying informed can make all the difference. With homes from 700-2,600 square feet, we can help almost anyone become a homeowner! Each step you take, no matter how small, moves you closer to a place you’ll be proud to call home.