01/10/2026
Buying your first house in 2026 is EXCITING—so hear me out…
1. Pre-Qualification ≠ Pre-Approval
A pre-approval letter is from a lender who has reviewed all of your financials in full and has verified your income & financial documents.
A pre-qualification letter is based on information YOU tell the lender, without the lender verifying its accuracy. This seriously matters when a seller determines if they want to accept your offer down the road.
2. Figure out a monthly payment that is comfortable & doable for you—your mortgage should feel manageable, and don’t forget taxes, insurance, utilities, and unexpected costs down the road. Enjoy the lifestyle you want to live with a budget that supports that unique lifestyle. 🤍
3. Please please please make sure you have an emergency fund for unexpected costs that could be detrimental. Random repairs, plumbing leaks, appliances that stop working, an A/C unit that doesn’t turn on for the summer season—you will thank yourself and your REALTOR® later that you saved this fund before buying the house. 🔨
4. The age of major mechanicals that are not known can be very scary especially not knowing if/when the systems will stop working & need replaced. Make sure you know the ages!
5. I will NEVER recommend you waive any inspections! Always have your home inspected by a licensed home inspector—not just by your family member who builds/repairs homes. 🔍
Garrett VonDerHeide — REALTOR®
☎️ 309.613.3543
📧 [email protected]
📲 SellWithGarrett.com
✨I am a licensed REALTOR® with BHHS Central Illinois, REALTORS®