Phone: 801-960-2111

Email: spencer@unifiedlending.com

Address: 10808  S River Front Pkwy Suite 393, South Jordan UT

NMLS #134614

Company NMLS #1721971

Privacy Policy 

© 2023 by Unified Lending. 

Buyers Guide

How to know if you are ready to buy

Before you begin your search for the perfect home, there are many factors to consider to see if you are ready for the purchase. Here’s a list we have put together of the things we think are most important to look at when getting ready to start looking for a home. 

Determine if you’re ready for the Commitment

  • Do you have stable income?

  • Are you ready to stay in an area log term?

  • Are there any major life changes headed your way that could change your financial situation? Will you be starting a family? Changing Jobs?

  • What is your debt situation?

Evaluating your Financial Situation

  • Again, do you have a stable income?

  • What is your debt situation? Do you have a plan for managing current student loans, car loans and other loans?

  • What is your history for paying off your credit cards? Keeping your credit card debt low can help you qualify for a better mortgage.

  • Have you started to save for your down payment and closing costs?

  • Have you put money aside for a rainy day? A good rule of thumb is to have 3 months of income saved in case something happens.

Get Pre-approved

After considering these things, it is a great idea to get pre-approved for your mortgage to estimate how much you can actually afford to spend on your future home. To get a pre-approval letter call of our office today at 801-960-2111.