Spring Home Buyer Guide: Plan Ahead & Buy with Confidence
Spring is one of the most competitive times to buy a home. Preparing early can give you a major advantage and reduce stress once you find “the one.”
1. Why Mortgage Pre-Approval Is Your First Step
Getting pre-approved before house hunting is one of the smartest moves a buyer can make.
What Is Mortgage Pre-Approval?
A lender reviews your income, credit, debts, and assets to determine:
Benefits of Being Pre-Approved
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Stronger offers – Sellers take pre-approved buyers more seriously
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Faster closings – Fewer surprises once under contract
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Clear budget – Shop with confidence, not guesswork
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Competitive edge – Crucial in multiple-offer situations
2. Benefits of Using Dave Oliver, Mortgage Broker
Working with a mortgage broker like Dave Oliver gives buyers flexibility and personalized guidance—especially helpful in a competitive spring market.
Why Work with a Mortgage Broker?
Unlike a single bank, a broker:
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Shops multiple lenders on your behalf
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Matches you with loan options that fit your goals
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Helps explain choices in simple terms
Advantages of Working with Dave Oliver
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Access to multiple loan programs – Conventional, FHA, VA, jumbo, and more
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Customized loan strategies – Not one-size-fits-all
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Clear communication – Helps you understand each step
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Responsive support – Quick answers when timing matters
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Advocacy – Works for you, not a single lender
This guidance can save time, money, and stress—especially for first-time or repeat buyers navigating changing rates.
3. Helpful Steps to Take Before You Start House Hunting
Check Your Credit Early
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Review your credit report
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Avoid opening new accounts
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Pay down high balances if possible
Build Your Savings
Avoid Big Financial Changes
Until after closing, try not to:
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Change jobs
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Make large purchases
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Take on new debt
4. Partner with the Right Real Estate Team
Once pre-approved:
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Choose a real estate agent who knows your local spring market
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Share your budget and priorities clearly
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Be ready to move quickly when the right home appears
5. Plan for Competition (Spring Reality Check)
Spring markets often mean:
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Multiple offers
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Quick deadlines
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Homes selling fast
Preparation helps you:
Final Tip
The buyers who succeed in spring aren’t just lucky—they’re prepared. Starting with mortgage pre-approval and working with an experienced broker like Dave Oliver puts you ahead before the season even heats up.
Call Dave At 306 227 7367