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SayHomeBuy.com

home buying guide and home listing search

FREE Financing Checklist



Budget for Home Buying

Start with a Monthly Spending Plan.
Learn about:

  • developing a spending plan
  • why budget
  • what's in the budget
  • setting financial goals

click for budgeting tips

download FREE this budget planning worksheet: click here

Build Up Your Credit Score

  • Check and build up your credit to ensure low credit costs when it's time to finance your home
get your FREE credit report
for review

Understand How Best to Finance

When you are ready to start your home search, understand how best to finance your home

  • understand best financing option and how to negotiate rate
click for financing guide

Build Up Rebate Points

  • as you shop for supplies, food, clothes, etc., for your month-to-month living, use a rebate credit card instead of cash to build up points for a down payment

view mortgage saving rebate
card program

links to our home buying
tools module

Calculate Your Numbers

Run some numbers to calculate how much you can afford and your qualifying ratios

  • calculate monthly payment, affordability amount, debt ratios and more

link to our mortgage loan
calculators

Lower Monthly Bills

Expense reductions strategies to lower:

  • monthly housing expenses
  • transportation
  • family care
  • family living
  • recreation
  • other

    in help to pay and finance home improvement

lower your monthly bills

links to our SayLowerBills.com budgeting module

Watch Rates

Keep your eye open for rates. They change daily. If rates decline, you might be able to afford your home purchase:

learn how best to negotiate
rates and points

Search for the Right Home

Find the home of your dreams

  • search real estate listings, FSBO, foreclosures, new home construction and more

start your home search online:
select state