Home Buying Guide
From your first conversation to closing day, Adam guides you through every step of the home buying process — so you can focus on finding the home your family deserves.
The Buying Process
Buying a home doesn't have to be stressful. Here's exactly what to expect when you work with Henderson Family Realty.
We start with a no-pressure conversation. Adam learns your goals, timeline, must-haves, and budget — and gives you an honest overview of the current market.
Adam connects you with trusted local lenders who work fast. Getting pre-approved strengthens your offer and tells you exactly what you can afford before you fall in love with a home.
Adam sets up custom MLS alerts, previews homes, and gives you real-time market intelligence. No wasting time on houses that don't fit — only the right ones make the list.
When you find the one, Adam crafts a competitive offer strategy, negotiates on your behalf, manages inspections and escrow, and gets you to the closing table smoothly.
Buyer Preparation
In today's market, prepared buyers close deals. Here's what to have ready before you start seriously searching.
Lenders look at your credit score to determine your interest rate. A score of 740+ typically gets you the best rates. Pull your free report at AnnualCreditReport.com and address any errors 60–90 days before applying.
Plan for 3–20% down depending on your loan type. Also budget 2–3% for closing costs. FHA loans allow as little as 3.5% down — Adam can connect you with down payment assistance programs if needed.
Lenders will need: 2 years of W-2s or tax returns, 2 months of bank statements, recent pay stubs (30 days), and a list of debts and assets. Having these ready speeds up your pre-approval dramatically.
Most lenders prefer your total monthly debts (including your new mortgage) to be below 43% of your gross monthly income. Pay down credit cards and avoid taking on new debt while shopping for a home.
Do NOT change jobs, open new credit accounts, make large purchases, or move money between accounts without telling your lender. These can delay or kill your loan — even after you're under contract.
Make two lists: things you can't live without (school district, bedrooms, garage) and things you'd love but can add later. This keeps your search focused and prevents decision fatigue in a competitive market.
Beyond the mortgage: factor in property taxes (~1.1% in Riverside County), homeowner's insurance (~$1,200–$2,000/yr), HOA fees if applicable, and monthly utilities. Adam helps you build a realistic monthly budget.
Preferred Lender
Adam works with trusted local lenders who understand Southwest Riverside County and can deliver fast, reliable pre-approvals so you're ready to move when the right home hits the market.
RWM Home Loans
Canyon Lake, CA
Kim England & Kim Manley
Mortgage Lending Team · RWM Home Loans · NMLS# 233892 & 2241577
With over four decades of combined lending experience, Kim England and Kim Manley are Adam's trusted go-to team for buyers in Southwest Riverside County. They specialize in getting buyers pre-approved fast, communicate clearly throughout the process, and fight hard to get you the best rate available. Local, experienced, and deeply committed to your success.
Common Questions