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YOUR 12-MONTH HOMEBUYER ROADMAP™

From “Someday” to Keys in Hand

The step-by-step roadmap to prepare your credit, cash, financing and home-buying strategy—before you find the house you want.

If buying a home within the next 12 months is on your radar, don’t wait until you’re ready to make an offer to start preparing.

Get the free 12-Month Homebuyer Roadmap™ and discover what you should be doing now to become a stronger, more prepared buyer.

[GET MY FREE HOMEBUYER ROADMAP]

BONUS: Receive a FREE Personalized Home Purchase Plan when you schedule your Buyer Strategy Call.

David Delgado
Freedom Choice Lending
866-587-6927
NMLS #349079

Buying a Home Doesn’t Start When You Find a House.

It starts months earlier.

Most buyers start their planning too late.

They find a house first.

Then they start asking:

“Can I afford it?”

“How much money do I need?”

“Will I qualify?”

“What’s my payment going to be?”

“Can I get down payment assistance?”

“What if another buyer makes a stronger offer?”

That’s backwards.

The smartest time to prepare is BEFORE you find the house.

The 12-Month Homebuyer Roadmap™ gives you a step-by-step framework for preparing your:

  • Credit
  • Income
  • Savings
  • Debt
  • Monthly payment
  • Down payment
  • Financing options
  • Mortgage readiness
  • Purchase timeline
  • Offer strategy

[YES — SEND ME THE FREE ROADMAP]

WHAT YOU’LL DISCOVER

Your 12-Month Roadmap Shows You What To Do — And When To Do It.

Establish Your Financial Baseline – Month 1

Start by understanding where you are today.

You’ll focus on:

✓ Current income
✓ Monthly debts
✓ Credit profile
✓ Savings
✓ Target purchase price
✓ Estimated monthly payment
✓ Current rent
✓ Homeownership goals

Objective: Know your starting point.

Strengthen Your Buying Position – Months 2-3

Now you begin improving the areas that could affect your purchase.

Focus on:

✓ Credit improvement opportunities
✓ Debt reduction
✓ Building savings
✓ Avoiding unnecessary new debt
✓ Reviewing income documentation
✓ Identifying potential obstacles

Objective: Become a stronger mortgage candidate.

Develop Your Financing Strategy – Months 4-6

This is where you begin determining which financing strategies may fit your situation.

Explore:

✓ Conventional financing
✓ FHA financing
✓ VA financing for eligible veterans
✓ USDA financing where applicable
✓ Down payment assistance programs
✓ First-time buyer programs
✓ Gift funds and other eligible sources
✓ Cash-to-close planning

Objective: Understand your potential financing options.

Get Mortgage-Ready – Months 7-9

Now it’s time to get serious.

You’ll want to:

✓ Review your credit
✓ Gather income documentation
✓ Organize bank statements and assets
✓ Review debts
✓ Confirm your target payment
✓ Establish your cash-to-close strategy
✓ Discuss financing scenarios

Objective: Be ready for the preapproval process.

Preapproval + Active Home Shopping – Month 10-12

You’re ready to move from planning to action.

Your focus becomes:

✓ Finalize your financing strategy
✓ Obtain preapproval
✓ Establish your target price range
✓ Connect with your real estate agent
✓ Begin actively searching
✓ Understand your offer strategy

Objective: Be ready to act when the right home appears.

WHAT HAPPENS WHEN YOU FIND “THE ONE?”

You’ve spent months preparing.

Then it happens.

You walk into a house and think:

“This is it.”

Now you need to be ready.

You’ll need to understand:

YOUR PRICE

What are you comfortable offering?

YOUR PAYMENT

What will the housing payment look like?

YOUR CASH

How much will you need to bring to closing?

YOUR FINANCING

Which loan strategy fits the transaction?

YOUR OFFER

How can you structure a competitive offer while protecting your financial interests?

Preparation gives you options.

The goal of the roadmap is to help you be prepared before the clock starts.

[GET MY FREE 12-MONTH ROADMAP]

THE 8 NUMBERS EVERY BUYER SHOULD KNOW

Before You Shop, Know Your Numbers.

A smart homebuyer should have a clear understanding of:

1. TARGET PURCHASE PRICE

The price range you’re targeting.

2. TARGET MONTHLY PAYMENT

What payment fits your budget?

3. AVAILABLE CASH

How much money do you have available?

4. DOWN PAYMENT

What amount are you planning to put down?

5. ESTIMATED CASH TO CLOSE

What may be required beyond your down payment?

6. MONTHLY DEBT

What obligations are already affecting your budget?

7. CREDIT POSITION

Where do you stand today?

8. PURCHASE TIMELINE

When do you realistically want to own your home?

The roadmap helps you organize all eight.

[DOWNLOAD MY FREE ROADMAP]

YOU MAY HAVE MORE OPTIONS THAN YOU THINK

“I DON’T HAVE 20% DOWN.”

You may not need 20% down for every mortgage scenario.

Depending on your circumstances, there may be options involving:

  • Low-down-payment mortgage programs
  • First-time buyer programs
  • Down payment assistance
  • Grants
  • Eligible gift funds
  • Government-backed financing
  • Other financing strategies

The important question isn’t:

“What’s the minimum I can put down?”

It’s:

“What’s the smartest way to structure MY purchase?”

Your income, credit, assets, debts, property and other factors all matter.

The roadmap helps you identify the questions you should be asking.

[GET THE FREE ROADMAP]

Program availability, guidelines and eligibility requirements vary. Not all borrowers will qualify for every program.

THE 12-MONTH ROADMAP AT A GLANCE

Your Path From “Someday” to “Keys in Hand”

TIMELINEYOUR PRIMARY OBJECTIVE
Months 1Establish your financial baseline
Months 2-3Improve credit, debt and savings
Months 4-6Develop your financing strategy
Months 7-9Get mortgage-ready
Month 10-12Preapproval + active shopping
OfferExecute your offer strategy
EscrowProtect financing + closing
ClosingGet your keys

The earlier you start, the more time you have to prepare.

BONUS OFFER

WANT MORE THAN A CHECKLIST?

Get Your FREE Personalized Home Purchase Plan™

The roadmap gives you the framework.

Your Personalized Home Purchase Plan applies that framework to YOUR situation.

During your Home Buyer Strategy Call, we’ll discuss:

✓ Your home-buying timeline
✓ Your target price range
✓ Your estimated monthly payment
✓ Your cash position
✓ Your financing options
✓ Potential down payment assistance
✓ Your mortgage readiness
✓ Your next 90-day action plan

[BOOK MY FREE BUYER STRATEGY CALL]

No pressure. No obligation. Just a plan.

David Delgado
Freedom Choice Lending
866-587-6927
NMLS #349079

WHY WORK WITH DAVID DELGADO?

You’re Not Just Getting a Mortgage.

You’re getting a home-buying strategy.

The mortgage is only one part of the transaction.

My job is to help you understand the numbers, identify potential obstacles and create a financing strategy that fits your goals.

THE FCL DIFFERENCE

EDUCATION

Understand your options before making decisions.

STRATEGY

Build a plan around your timeline and financial goals.

PREPARATION

Identify potential issues before you’re under contract.

COMMUNICATION

Know what is happening throughout the process.

EXPERIENCE

Get guidance from a mortgage professional with decades of industry experience.

[LET’S BUILD YOUR HOME PURCHASE PLAN]

YOUR HOMEOWNERSHIP GOAL NEEDS A PLAN.

Maybe you’re:

12 months away.

Maybe you’re:

6 months away.

Maybe you’re:

90 days away.

Wherever you are today, the next step is the same:

Know where you are.

Know where you’re going.

Know what needs to happen next.

GET YOUR FREE 12-MONTH HOMEBUYER ROADMAP™

Start preparing today for the home you want tomorrow.

[YES — SEND ME MY FREE ROADMAP]

OR

[BOOK MY FREE HOME BUYER STRATEGY CALL]

David Delgado
Freedom Choice Lending
866-587-6927
NMLS #349079

Information provided for educational purposes only and is not a commitment to lend. Loan programs, rates, terms and assistance programs are subject to eligibility, underwriting and program guidelines. Equal Housing Opportunity.