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Buying Your First Home

Preview · 0:45

Demo footageStock b-roll stands in for the recording.

Chapters

Real EstatePremium

Buying Your First Home

2:00 · October 1, 2026

What underwriters look at, in the order they look at it, and how to be ready before you make an offer.

Key takeaways

The first one; the rest unlock with Premium

1Get pre-approved before you look, not after you fall in love with a house

Unlock 2 more takeaways

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Member questions, reviewed by our team and answered for everyone watching

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Kerry Pace

Mortgage & Homebuying · Pace Lending

Twenty years underwriting home loans, explaining what lenders actually look at rather than what people assume they do.

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The next step, and the tools, lessons and pathways behind this video

Home Affordability
Mortgage Calculator

Glossary

Terms used in this video

APR: The yearly cost of borrowing, including fees, not just the interest rate.
Debt-to-income ratio: How much of your monthly income already goes to debt payments.

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