Property Type

Angela’s Notes
Here are a few things to think about:

Condos & Townhomes: Often have HOA fees, but lower maintenance and great amenities.
Single-Family Homes: You’ll enjoy a yard and more privacy — but you’re responsible for upkeep.
Land + Home Packages: You get to choose your lot and your floor plan, often with affordable financing options.
Investment Properties: It’s all about the numbers — rental income, taxes, and long-term return.

Location

Angela’s Notes
Here are a few things to think about:

Beachside: Ideal for vacation homes or short-term rentals — higher insurance but great appreciation.
City / Central: Close to schools, jobs, and restaurants — convenient daily lifestyle.
North or Rural Areas: Larger lots, USDA eligible, and peaceful surroundings.
New Developments: Modern layouts and warranties

Do you have a preferred city, neighborhood, or community in mind?

Financial Assistance

Angela’s Notes
Here are a few things to think about:

Within 30 Days: Time to move fast — let’s get you pre-approved and touring immediately.
1–3 Months: Great window for comparing lenders and viewing active listings.
3–6 Months: Perfect for planning — we can watch market trends and refine your criteria.
6+ Months / Researching: Ideal time to clean up credit, save for closing costs, and learn your options.

Purchase Timeline

I'm Ready Now!

Within the Next 3 Months

Within the next 6 months

6 or More Months

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Angela’s Notes
Here are a few things to think about:

Most programs help first-time buyers (no home ownership in the last 3 years).
Not valid for investment homes. Some must be repaid if/when the property sells.
Builder and local incentives change often — timing matters.

Available Financial Assitance

Builder Preferred Lender Programs - Save on closing costs or get rate discounts with new construction.

Rehouse Bay - Up to $50,000 in down payment and closing cost assistance for Bay County residents.

Hometown Heroes - Up to $25,000 in down payment help for teachers, healthcare workers, law enforcement, firefighters, and military.

Employer Housing Benefits - Custom assistance programs including down payment help, closing cost grants, or matched savings.

Not sure - I'd like to learn more about all programs

I am not interested in Financial Assistance

Funds Available

Angela’s Notes
Here are a few things to think about:

You don’t always need money down — some programs cover up to 100%.
The more you put down, the more you save up front and in the future.
Lenders can help you compare options based on what you’re comfortable investing.

Funds Available

Getting Started ($0 - $5,000) We'll show you down payment assistance and savings strategies

Early Planning ($5,000 - $15,000) Learn about first-time buyer programs and seller contributions

Active Saving ($15,000 - $30,000) Discover how to optimize your funds and explore loan options

Well Prepared ($30,000 - $50,000) We'll help you understand the best investments for maximum return

Investment Ready ($50,000+) Let's explore all your property and investing options

Buyer Concessions

Angela’s Notes
Here are a few things to think about:

Seller concessions can help reduce your upfront costs or boost long-term savings.
The best option depends on your loan type and goals — I can help you compare.
Rate buy-downs and closing cost credits are the most common and impactful.

$5000 Uses

Closing Costs

Repairs & Updates

Pay Down Interest Rate

Pay Down Debt

Non - Negotiables

Angela’s Notes
Here are a few things to think about:

If you’re buying with someone else, agree on your top 5 non-negotiables together.
These are deal-breakers — if a home doesn’t have them, you won’t be buying it.
Clear priorities save time and help us find the right home faster, without buyer burnout.

Additional Wants

Angela’s Notes
Here are a few things to think about:

These are your must-haves, not deal-breakers — pick what matters most.
Keep the list short so you stay focused when touring homes.
Features like a garage or fenced yard add resale value, too.

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Angela’s Notes
Here are a few things to think about:

These are your bonus features — not required, but they make a home extra special.
Keep this list short so it doesn’t distract from your priorities.
Some of these upgrades can be added later, so focus on what’s hardest to change — like location or layout.