KeySteps to Buying Your Home

KeyStep 1: Find your Brinkoetter Agent

Our network of 60+ Real Estate Agents is powered by professionalism, innovation, and commitment to our clients. We love questions. We love conversations. Contact us to find your perfect Agent fit.  

KeyStep 2: Get Pre-Approved

Are you qualified for a mortgage? What type of loan are you eligible for? Is a down payment required and if so how much, what's your interest rate, are you qualified to purchase a "fixer-upper" or does the home need to be in good condition? These are critical questions to consider early in your buying process. Connect with one of Brinkoetter’s trusted Mortgage Lenders to explore your options.

KeyStep 3: Identify your Must-Have Features

Your Brinkoetter Agent wants to see you happy! It’s important that you be able to articulate what you absolutely must-have in a new home. Do you require 4-bedrooms? Is carpeting a deal-breaker? Does a 3-car garage sit on the very top of your Life Goals list? Your Agent needs to know before you begin your search in order to make the most of your valuable time and resources.

KeyStep 4: Develop your Budget

What’s your Budget? You’ll need to be able to answer this critical question before you can begin your home search. It can’t just be a number you’re comfortable paying for a monthly mortgage payment; you need to factor in property taxes, homeowners insurance, utilities, and reserves for any needed repairs. Our convenient Mortgage Calculator will help you estimate your monthly mortgage payment based on the purchase price of your new home. Then, you’ll need to figure your debt-to-income ratio.  Most mortgage lenders like to see a debt-to-income ratio in the 30% range with, on average, a maximum debt-to-income ratio of 40%.

KeyStep 5: Start your Search

This is the KeyStep you’ve been waiting for! Click here to Start Your Search.

For more information, check out Brinkoetter's Buyers Guide! 

Payment Calculator

This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate.