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Your Free 2026  Homebuyer Guide

A simple, easy-to-follow guide for first-time and repeat buyers navigating the home loan process.

Whether you’re buying your first home, moving up, or buying again after several years, this guide walks you through every step, from getting preapproved to getting the keys, in plain language so nothing catches you off guard.

What’s Inside the Guide

  • The homebuying process, step by step

  • What you need for preapproval, with a document checklist

  • Do’s and don’ts while your loan is in process

  • Closing costs and escrow explained

  • Mortgage terms in plain language (APR, DTI, PMI, amortization, and more)

  • Who’s on your home purchase team

  • What happens at a property appraisal

  • Moving and home maintenance checklists

Why Work With a Loan Officer Who Knows the Process

Buying a home is one of the biggest financial decisions you’ll make. With 14+ years in real estate and mortgage lending, and personal experience buying, selling, and investing in property, Jordyn knows the process inside and out and explains it in plain English.

With Jordyn, you can expect:

Clear
COmmunication

Fast, Reliable
preapprovals

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Strategic offer Structure

Coordination with your Realtor

Testimonials

Jordyn has helped first-time and repeat buyers through the loan process with clear communication, quick responses, and support from start to finish.

Review Additional Testimonials Here

Jordyn is very professional, she has great marketing material and information to provide to her clients. She is quick to respond and always available to answer any questions! We were able to close early on a VA loan and Hometown Heroes! I would definitely recommend Jordyn to future clients! Thanks for making it such a smooth and effortless transaction!

C.D. - Agent

Homebuyer Questions...
Answered!

How much do I need for a down payment?

Many buyers qualify with as little as 3% down, and some government-backed loans allow no down payment.

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What documents do I need for preapproval?

Typically a completed application, 30 days of paystubs, 2 years of W-2s, 2 months of bank statements, and 2 years of tax returns if you’re not W-2 only. I’ll confirm exactly what you need.

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How much are closing costs?

Roughly 3% of the loan amount, depending on the state and loan type.

​

What should I avoid while my loan is in process?

Large deposits or transfers, new credit applications, closing credit cards, missing payments, and changing jobs.

 

How long does it take to close?

Most loans close in about 30 to 45 days.

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Licensing Disclosure • Privacy Policy • NMLS Consumer Access

Jordyn Lally, Sr. Loan Officer | NMLS #2107727 | Licensed in FL, GA, AL, TN & NC
HomeFi Mortgage | Company NMLS #1804455 | Equal Housing Lender
Licensed NC Realtor | Everything Pines Partners Real Estate | NC License #277074
919-628-6581 | Hello@SERealtyandLoanCo.com
Licensing Disclosure • Privacy Policy • NMLS Consumer Access
This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval. Restrictions and conditions may apply. Terms, rates, programs, and conditions are subject to change without notice and may not be available in all areas. Revised 10/2026

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