free checklist · printable PDF
Find Out Where You Stand Before You Talk to a Lender
The Homebuyer Readiness Checklist is 25 yes-or-no questions across five areas. Check what is true for you today, and the results page tells you what your next step should be.
What the checklist covers
- 25 yes-or-no questions on income, debt, savings, credit and timeline
- A results guide that tells you what to do next
- A notes page for your first loan officer conversation
A look inside
Three of the 25 questions
- I can document my income with pay stubs, tax returns, and/or W-2s
- I have, or am building, a reserve of two to three months of housing payments that I will not touch at closing
- My credit card balances are below 30% of their limits
The last page explains what “most boxes,” “about half,” or “only a few” means for your next step, and leaves room for notes for your loan officer.
What happens after you submit
- Your guide opens right away. No waiting for an email to arrive.
- We email you the link too, so it is easy to find later.
- Tips only if you ask. If you checked the box, I send occasional practical emails. If not, you only get the guide.
Who wrote it
Mary De Pinho, REALTOR® with Dalton Wade Real Estate Group (Texas License #579203). Before becoming a buyer's agent, I spent eight years in new-home sales on the builder's side, and I work with families in English and Spanish.
Mary De Pinho | Texas Real Estate License #579203 | Dalton Wade Real Estate Group
Mary De Pinho is a licensed real estate agent and is not a lender, mortgage broker, or credit repair organization. Information about down payment assistance programs, credit readiness, and mortgage financing is provided for educational purposes only and does not constitute financial, legal, or credit repair advice. Assistance program eligibility, terms, income limits, and available funding are subject to change and are determined by the administering agency, not by the agent. Results vary by individual situation. Figures cited in this material were current as of the date of publication; verify all program details with the appropriate agency before making financial decisions.
Equal Housing Opportunity. Mary De Pinho does not discriminate on the basis of race, color, religion, sex, national origin, familial status, disability, or any other class protected under federal, state, or local fair housing law.
Buyer representation is provided under a written buyer representation agreement. Representation on a new-construction purchase is provided at no cost to the buyer. Terms of representation are disclosed in writing before services begin, in accordance with current Texas Real Estate Commission rules.