Three Smart Moves to Make NOW If You Want to Buy a Home in 6 Months

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By Quiana Toliver, Realtor® | HEAT Realty

(346) 254-4816 | 🌐 homesbyquiana.com

Buying your first home is exciting, but let’s be real — it can feel overwhelming, too. If you’re dreaming of becoming a homeowner in the next six months, the time to start preparing is right now. Whether you're aiming for a cozy starter home or that perfect backyard BBQ spot, getting your ducks in a row early is key.

Here are the top three things you should start doing today to make your home-buying journey smooth and successful:

1. Check (and Strengthen) Your Credit

Your credit score is one of the biggest factors lenders use to decide if you're mortgage-ready — and what interest rate you’ll get. The better the score, the better the loan terms.

What to do now:

  • Request a free copy of your credit report at AnnualCreditReport.com.

  • Dispute any errors.

  • Start paying down credit card balances.

  • Avoid opening new lines of credit.

Even a 20-30 point boost in your score can save you thousands over the life of your mortgage!

2. Build Your Budget (and Your Savings)

You’ll need cash for the down payment, closing costs, inspections, and moving. Don’t let that surprise you later!

Start here:

  • Open a separate savings account just for your home purchase.

  • Aim to save at least 3–5% of the home price for your down payment (more if you want to avoid PMI).

  • Budget realistically for your future mortgage, utilities, taxes, and maintenance.

Pro Tip: Some first-time buyer programs offer down payment assistance — I can help you explore those!

3. Get Pre-Approved & Talk to a Realtor (That’s Me!)

Getting pre-approved shows sellers you’re serious, plus it tells you exactly how much home you can afford. It’s a powerful first step.

Then, connect with a local real estate expert (👋🏽 hi, that’s me!) who understands your goals, your timeline, and your dream-home must-haves. I’ll walk you through every step — from touring homes to closing with confidence.

Ready to start your journey to homeownership?
Let’s chat! I’m here to help first-time buyers feel empowered and excited — not stressed.

📞 Quiana Toliver, Realtor®
🏡 HEAT Realty
📱 (346) 254-4816
🌐 homesbyquiana.com
📧 quianatoliver@gmail.com

Let’s get you home. 🗝️💛

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