09/18/2026
You may have heard this before but why is this important?🥸
Imagine you go out and about house hunting and you fall in love with a home? Home is $250k. Then you tell your favorite realtor: Hector, I love this home! Let’s move forward. Me: great! Then as a good realtor, I’d start helping you do the numbers on how much your operating costs would be (PITI: principal + interest + taxes + insurance) plus others costs. Then: booom, that’s too high for what you want to pay monthly. Then the hard realization comes: we have to find another home👎🏻
I don’t like seeing my clients disappointed therefore I’d rather have them do the work no one likes doing first: establish a budget with all home operating costs, look into the down payment, speak with your trusted lender and THEN we go house hunting so you can shop with confidence and make a strong offer when the right one shows up🏡
Some of you may not know this but getting prequalified is free and it won’t hurt your credit. What?! How?! 📝 Because you will ask your lender to do a “soft pull” before committing and taking a final decision. 😏
Wanna know more what those operating costs would look like for your next home? Feel free to connect👇🏻. No preferred lender yet? I’ll help with that too.
realtorbernal.com
Hector Bernal, Realtor®🔑
(956) 553-2020
TNT Real Estate