Introduction:
Buying a home is exciting—but it can also be overwhelming. After helping dozens of families buy in Clay County, I’ve seen some patterns. Here are the top mistakes I help my clients avoid.

1. Not Getting Pre-Approved
Always get your financing lined up before shopping. It shows sellers you’re serious.

2. Underestimating Closing Costs
These can range from 2%–5% of the purchase price. Don’t be caught off guard.

3. Skipping the Home Inspection
A few hundred dollars upfront can save thousands later.

4. Letting Emotions Rule
Fall in love with the right house, not the first one you see.

5. Ignoring Your Credit Score
A low score can impact your loan approval and interest rate. Check and improve it early in the process.

6. Overlooking Ongoing Expenses
Don’t forget about taxes, insurance, maintenance, and HOA fees. Make sure your budget covers the full cost of homeownership.

7. Making Big Purchases Before Closing
Buying furniture or a car before closing can affect your credit and jeopardize your loan approval. Hold off until the keys are in your hand.

8. Not Reading the Fine Print
Take time to review all contracts and disclosures carefully. Understanding what you’re signing can prevent costly surprises later.

Conclusion:
With the right guidance, you can avoid these missteps and feel confident every step of the way. Let’s find your perfect fit.