Buying a home is usually the largest financial decision most people make outside of retirement.
Despite that, most real estate advice treats it like a shopping problem.
I don’t.
I treat buying a home as a decision with constraints: income, credit, cash reserves,
timeline, risk tolerance, and long-term stability.
Understanding those constraints matters far more than scrolling listings or chasing a pre-approval number.
What this series is (and isn’t)
The Home Buying Series is a practical, step-by-step guide to how buying actually works,
not how it’s usually advertised.
- It is: grounded in real lending standards, real costs, and real failure points.
- It is not: a sales funnel, a hype piece, or a promise that buying is always the right move.
Much of the frustration buyers feel comes from being told they’re “ready”
before the numbers, timing, or risk actually line up.
This series is designed to prevent that.
Who this is for
- First-time buyers trying to understand what’s realistic right now
- Buyers worried about affordability, payments, or long-term regret
- People who qualify on paper but aren’t sure the math actually works
- Anyone who wants clarity before making offers or committing emotionally
Start the Home Buying Series
If you want a clear, no-pressure walkthrough of the buying process,
this is the best place to begin:
Start Here: Home Buying Series
The series begins with fundamentals—credit, budgeting, and constraints—
and builds forward from there.
If buying makes sense, you’ll know why.
If it doesn’t, you’ll understand that too.
Prefer a direct conversation?
If you’d rather talk through your situation instead of reading,
you’re welcome to reach out.
I’m happy to help you sort out where you are in the process
and whether buying now actually fits.
Call or text 325-338-9734
Email Doug@SenterRealtors.com
