Five Ways to Know You’re Ready to Buy Your First Home

Sep 28, 2020

Transitioning from renting to buying may be one of the if not the biggest step of your life, so it’s important to be confident that you’re ready to march forward – it’s not only a financial decision, but also an emotional one. Here are five ways to know if the optimal time has finally arrived for this life-changing decision.


You have a secure job. It goes without saying that job security allows you to make financial decisions you may not have been able to make in the past. In addition, some longevity at a workplace can be beneficial when applying for a mortgage.


You have a good credit score. Along with the more likelihood of being approved, your positive credit score can actually help you save money on your home purchase. The higher your score often determines your interest rate and gives you more choices as to what types of mortgages you will be approved for.

You have the necessary down payment. All your diligent and painstaking saving for the past few years has finally paid off! Now when you visit your desired new home community, you can make your dream a reality and pay the down payment on your new home.


You know where you want to live. Since buying a new home is a semi-permanent transaction, it’s best to know what geographic area makes the most sense for you. If you’re contemplating a move to a different county or state in the near future, perhaps you should wait just a little longer until you’re sure of where you want or need to be.


Understand the real estate market. Like all financial markets, the real estate market has its ups and downs. Sometimes it’s in the buyers’ favor; sometimes the seller gets to make the decisions. Read the experts’ opinions and study the trends prior to purchasing, so you know you’re making a most-informed choice.



If you are searching for a new home, please know San Joaquin Valley Homes is still busy building homes throughout the Central Valley. Our model homes are open daily, we offer private in-person appointments and our virtual tours are available on our website.


11 Mar, 2024
With current water shortages in California, here are some drought resistant plants to withstand the Central Valley heat this summer.
26 Feb, 2024
With rising prices, here are some ways you can save money on online shopping from the comfort of your Central Valley home.
12 Feb, 2024
Here is a list of do's and don'ts for a smooth mortgage loan process for your new home in the Central Valley of California
29 Jan, 2024
Here are tips and tricks to creating a serene environment in your new California home.
15 Jan, 2024
Thinking of giving your kids room an update? Here are ideas for a sports room makeover for your child in California.
01 Jan, 2024
Here are many perks to buying a new construction home from San Joaquin Valley Homes in the Central Valley of California.
NEM 2.0 vs NEM 3.0
18 Dec, 2023
Learn the difference between NEM 2 and NEM 3 rated solar systems before purchasing your new construction home in the Central Valley of California.
18 Dec, 2023
Ring in Family Fun this New Year’s Eve
04 Dec, 2023
Here is a guide of gifts you can get for a new homeowner in the central valley this holiday season.
San Joaquin Valley Homes Design Center Options
17 Nov, 2023
There are various options you have available to you when designing your San Joaquin Valley Home. Here are ways you can customize your home in our design center.
Show More
Share by: