Buying a home is one of the most meaningful investments you’ll ever make. It’s a major decision, but with the right support, it doesn’t have to feel overwhelming. At BankFirst, we’re here to guide you every step of the way. Use this checklist to prepare for the journey ahead — and when you’re ready, our mortgage team is just a call or visit away.
Before you begin your home search, take time to review your finances. Lenders will look at a few key areas:
Steady Income – A consistent source of income shows that you’re ready to take on a mortgage.
Savings – Enough to cover your down payment, closing costs, and unexpected repairs.
Credit Score – A higher score may help you qualify for better loan terms.
Debt-to-Income Ratio – This helps determine how much house you can realistically afford. Ideally, this number should be under 36%.
If you’re a first-time buyer, ask a BankFirst lender about programs that may help with down payments or closing costs.
Owning a home includes more than just your mortgage. Property taxes, homeowners insurance, and possible HOA fees all play a role. Our lenders can walk you through your full financial picture to help determine what’s truly affordable.
Getting pre-qualified helps you understand how much you might be able to borrow based on your self-reported finances. Pre-approval is the next step — and it holds more weight when it’s time to make an offer.
At BankFirst, our local mortgage experts can help you get pre-approved with confidence, so you can shop for your new home with clarity and peace of mind.
Being prepared with the right paperwork can save time when you apply for a mortgage. Start collecting:
Government-issued ID
Recent pay stubs or W-2s
Bank and asset statements
Statements for any recurring debts
Your BankFirst lender will walk you through exactly what’s needed when the time comes.
Finding the right home often starts with finding the right people. A trusted real estate agent and a local lender who knows your community can make a big difference. At BankFirst, we live where you live. We understand local market trends and are committed to helping you succeed.
Once pre-approved, you’re ready to search for homes within your budget. Make a list of your must-haves and nice-to-haves, and be open to adjusting as you explore what’s available. A strong financial foundation will help guide your decisions and avoid overextending.
Your agent can help craft a strong offer that includes:
Earnest money to show you’re serious
Contingencies to protect you if anything unexpected arises
Guidance on negotiations based on market conditions
Once your offer is accepted, it’s time to move into the final stages.
At this point, you’ll formally apply for your loan with BankFirst. Our mortgage team will guide you through every step, answer questions, and keep you informed from application through closing.
We’ll also help you:
Lock in a competitive interest rate
Schedule your appraisal and home inspection
Coordinate title services
Provide resources for home insurance options
Once everything checks out, you’ll attend your closing meeting. There, you’ll review and sign documents, provide your ID and proof of insurance, and pay your closing costs.
It’s a big day — and we’ll be right there with you to make sure everything goes smoothly.
Closing Thoughts:
The homebuying process can feel complex, but it doesn’t have to be. With BankFirst as your mortgage partner, you gain more than a loan — you gain a team who knows your community, understands your goals, and is committed to your success.
Ready to take the next step?
Connect with a BankFirst mortgage lender today and let’s talk about what homeownership could look like for you.
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 454063
www.nmlsconsumeraccess.org
900 Main Street
Columbus, MS, 39701
Phone: (662) 328-2248
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