Buyer & Seller Resources
Empowering you with the knowledge and tools you need to make confident real estate decisions.
Check Your Credit Score
Your credit score is the first step in your home buying journey. Check your FICO score to understand your mortgage options and get the best rates.
Your Home Buying Roadmap
Follow these steps to navigate the home buying process with confidence.
Check Your Credit Score
Your credit score is one of the most important factors in getting approved for a mortgage. A higher score means better interest rates and more loan options.
- Aim for a credit score of 620 or higher for conventional loans
- FHA loans may accept scores as low as 580
- Review your credit report for errors and dispute any inaccuracies
- Pay down existing debt to improve your score
Get Pre-Approved for a Mortgage
Pre-approval shows sellers you are a serious buyer and gives you a clear understanding of your budget.
- Gather pay stubs, tax returns, and bank statements
- Compare rates from multiple lenders
- Understand the difference between pre-qualification and pre-approval
- Lock in your rate when you find a good one
Find Your Dream Home
Work with your Kingdom Living Realty agent to identify properties that match your needs, budget, and lifestyle.
- Create a list of must-haves vs. nice-to-haves
- Research neighborhoods, schools, and commute times
- Attend open houses and schedule private viewings
- Consider future resale value and growth potential
Make an Offer & Close
Your agent will help you craft a competitive offer, navigate negotiations, and guide you through the closing process.
- Your agent will run comparable market analysis
- Include appropriate contingencies to protect yourself
- Schedule a home inspection before closing
- Review all closing documents carefully
Additional Resources
FICO Credit Score
Check and monitor your credit score
HUD.gov
U.S. Department of Housing & Urban Development
Mortgage Calculator
Estimate your monthly mortgage payments
Home Inspection
Know what to look for during inspections
First-Time Buyer Programs
Government programs for first-time homebuyers
San Antonio Market
Local real estate market statistics and trends