🏡 Are You Actually Ready to Buy a House?

Hi Reader,

Thinking about buying a home in 2025 but not sure if you’re truly ready? 🤔

It’s easy to get excited about house hunting, but before you start touring homes, make sure you check these 3 boxes.

✅ 1️⃣ Do You Know How Much You Can Afford?

Before you fall in love with a home, you need to know your true budget.

🚀 Key Questions to Ask:
✔ What’s your monthly comfort zone for a mortgage payment?
✔ How much will you need for property taxes, insurance, and maintenance?
✔ Are you prepared for closing costs (typically 2-5% of the home price)?

💡 Pro Tip: A pre-approval gives you a real budget, so you don’t waste time looking at homes that don’t fit.

📩 Need help with pre-approval? Let’s set it up today!

✅ 2️⃣ Do You Have Enough Saved for the Down Payment & More?

You don’t need 20% down—but you do need a smart savings plan.

🚀 What to prepare for:
✔ Down payment options: Some loans allow as little as 3-5% down!
✔ Emergency savings: Keep at least 3-6 months of expenses after closing.
✔ Hidden costs: Think about moving expenses, furniture, and immediate repairs.

💡 Not sure how much you need? I can help you estimate your down payment & monthly payments—just reply to this email!

✅ 3️⃣ Is Your Credit in Good Shape? (Don’t Guess—Check!)

Your credit score affects your mortgage rate and how much home you can afford.

🚀 Quick Credit Check Tips:
✔ Check your score for FREE at AnnualCreditReport.com
✔ Avoid big purchases (cars, furniture, credit cards) before applying
✔ Pay down debts to improve your debt-to-income ratio (DTI)

📩 Want help improving your score? Download my free Credit Repair Guide:
📄 Get It Here

🏡 Want to See if You’re Ready? Let’s Talk!

Buying a home is a big decision—but you don’t have to figure it out alone.

📲 Text or call me anytime at [Your Phone Number]
📩 Or reply to this email, and I’ll help you map out your next steps.

Want homebuying tips sent straight to your phone?
👉 Join My Homebuyers Text Club

🏡 If 2025 is your year to buy, let’s make sure you’re truly ready! Reply with any questions—I’m here to help.

Talk soon,

James McKibban

Mortgage Expert

Ready to apply? 3 Ways To Connect

💬

Text James McKibban directly at: 949.302.6620

📱

Call James: 949.302.6620, 7 days a week, 5:30 a.m. – 9 p.m.

💌
Email James your info and we'll get right back to you.

24 Corporate Plaza Ste 190, , Newport Beach, CA 92660
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The information provided in this email and associated content is for educational purposes only. It does not constitute financial advice, legal advice, or any other form of professional advice. While we strive to provide accurate and timely information, the financial landscape can change rapidly. Therefore, we recommend consulting with a qualified professional before making any financial decisions based on the content of this email. Any references to specific financial products, services, or companies are purely illustrative and should not be interpreted as endorsements. We do not endorse or promote any specific products or services mentioned in this email. We do not offer mortgage, loan, or refinancing services directly through this platform. For personalized financial advice or assistance, please consult with a licensed professional or financial advisor.

James McKibban | The Lion on Loans Newsletter