@gwestjr: Want to buy a home before the end of 2026? Your preparation needs to start NOW! Close in November and your first mortgage payment is typically due January 1, 2027. Close in December and it’s typically due February 1, 2027! 📅 First time homebuyers and veterans, here are 4 steps to help turn that goal into keys: 1️⃣ GET PREAPPROVED NOW ✅ Complete your application and submit your documents so you know your buying power and what payment fits your budget. Give yourself time to shop, compare, and negotiate without rushing into the wrong home! 2️⃣ ADDRESS THOSE SMALL PAYMENT ACCOUNTS 💳 Klarna, Affirm, KOVO, and Self accounts can create additional documentation requests. Payments appearing on your bank statements may need to be reviewed even when the debt isn’t on your credit report. Have your lender identify which accounts should be paid off and keep your payoff confirmations! 3️⃣ PREPARE FOR UPFRONT EXPENSES $0 down doesn’t automatically mean $0 out of pocket. Inspections, appraisals, earnest money, and applicable option fees may require money BEFORE closing. Know how much you need and when you’ll need it! 4️⃣ NEGOTIATE SELLER CREDITS Ask what the seller or builder is willing to contribute! Credits can help cover eligible closing costs and interest rate buydowns. Veterans may also be able to use eligible seller concessions toward certain debt payoffs. Build that strategy with your lender and agent BEFORE submitting your offer! Don’t wait until December to prepare for a goal you want accomplished by December. 📲 Visit gregthemortgagementor.com to start your application. Let’s put a plan behind your homeownership goals! Greg The Mortgage Mentor NMLS #1447959 #FYP #MortgageTips #FirstTimeHomeBuyer #VALoans

Greg West| Mortgage Consultant

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Monday 19 October 2026 16:41:38 GMT