Why Buyers Should Meet With a Loan Officer Early for a 2026 Home Purchase

If you plan to purchase a home in 2026, the smartest first step is speaking with a loan officer early. This gives you clarity, direction, and confidence in your home-buying journey.

Why Meet a Lender Now?

1. Understand Your Down Payment
You will learn exactly how much you need to save and what loan programs fit your
budget.
2. Improve Credit in Advance
Small credit score changes can significantly lower your interest rate. Meeting early gives
you time to prepare.
3. Review All Loan Options
Your lender will explain conventional loans, FHA loans, VA loans, and first-time buyer
programs.
4. Be Ready to Act Fast
Homes in areas like Laguna Niguel and Dana Point sell quickly. Early pre-approval
gives you an advantage.

What You’ll Learn in Your Loan Meeting

● Borrowing power
● Monthly payment estimates
● Down payment targets
● Loan types
● Credit improvement strategies

Once you are pre-approved, Laura Clinton Real Estate can help you prepare for the 2026 market and understand the neighborhoods that fit your goals.