Buyer Checklist: Step 1 – Get Ready for Your Home Purchase
Buyer checklist. Buying a home is one of life’s biggest milestones — a dream that represents freedom, stability, and a fresh chapter. Whether it’s your very first house, a bigger place for your growing family, or even an investment that opens doors to the future, this decision is filled with excitement and possibility.
But before you start scrolling through Zillow late at night or driving around looking at “For Sale” signs, the very first step is to get ready. This step is where you lay the groundwork, protect your peace of mind, and prepare yourself to say yeswhen the perfect home appears.
✅ 1. Check Your Credit & Get Pre-Approved
Think of your credit score as your financial passport — it’s the key that opens doors to better loan options and lower interest rates. Taking care of it now can save you thousands later.
- Look over your credit report and fix any mistakes.
- Pay down balances where you can.
- Hold off on opening new credit until you’ve closed on your home.
Once your credit is in a healthy place, the next empowering step is pre-approval. Walking into a showing knowing you’re pre-approved gives you confidence and shows sellers you’re serious. In our area, amazing programs like USDA, VA, FHA, and even special 4.9% financing are available — and we’ll help guide you to the one that fits your dreams.
✅ 2. Set Your Budget & Plan for Costs
Money conversations don’t have to feel overwhelming. In fact, creating a budget can bring peace of mind and help you picture what life in your new home will look like.
Sit down with your lender and decide what monthly payment feels comfortable — not just what you’re approved for. Think beyond the price tag to include:
- Your down payment (it may be less than you think).
- Closing costs (usually 2–4% of the price).
- Moving expenses and setting up utilities.
- A little cushion for future maintenance, because every home has its surprises.
When you know the numbers ahead of time, you can focus on the joy of finding “the one.”
✅ 3. Choose a Local Agent – Team Morris Homes
Buying a home isn’t just about finding a house — it’s about finding someone who will stand in your corner. That’s where Team Morris Homes comes in.
We’ve spent over a decade helping families across Tennessee, Georgia, and Alabama. We’re more than agents — we’re advocates, problem-solvers, and partners who celebrate with you when you get the keys in hand.
With us, you’ll:
- Feel confident navigating the ups and downs of the market.
- Get access to homes and opportunities you might otherwise miss.
- Negotiate from a place of strength, not uncertainty.
Having the right agent means having someone who cares as much about your dream as you do.
✅ 4. Make a Must-Have vs. Wish List
Every dream home starts with a vision. Writing down your must-haves versus your wish list helps you picture what “home” really means for you.
Ask yourself:
- How many bedrooms and bathrooms does my family need to feel comfortable?
- Do I dream of acreage, a garage, or a quiet office to work from home?
- What features would bring joy but aren’t deal-breakers — like a pool, a mountain view, or an updated kitchen?
This list is more than practical — it’s your reminder of what matters most as you step into one of life’s most exciting adventures.
🌟 The Bottom Line
Step 1 is about preparation and peace of mind. By checking your credit, setting a budget that feels right, choosing an agent who truly cares, and dreaming through your must-haves, you’ll be ready to step into the market with confidence and excitement.
At Team Morris Homes, we believe the home-buying journey should be joyful, not stressful. We’re here to cheer you on, answer your questions, and walk beside you through every step — across Greater Chattanooga, North Georgia, and Northern Alabama.
👉 Ready to begin your journey? Call or text 423-298-3517 or visit TeamMorrisHomes.com. Let’s take this first step together toward the home you’ve been dreaming of.
