Buying your first home is one of the biggest milestones in life and it all starts with a clear plan. The LJ Mortgage Team is here to make sure you feel confident, informed, and excited every step of the way. Here’s your ultimate First-Time Homebuyer To-Do List  to help turn your dream into a front door with your name on it! ✅ 1. Check Your Credit Score Think of it as your financial selfie  — it shows lenders a snapshot of your financial health

At LJ Mortgage Team , we believe in complete transparency and personalized guidance so our clients can make confident homebuying decisions. Here’s a real example of how we help turn dreams into reality: 📍 Purchase Price:  $780,000 💰 Down payment:  20% 📈 Credit Score:  780 (Excellent!) 🏡 Household Income:  $128,879 💳 Monthly Debt:  $0 – strong financial position 📊 Property Taxes:  $11,564/year 🛡 Home Insurance:  $1,957/year 💵 Closing Costs:  $22,000 By reviewing every