Get Pre-Approved and Define Your Budget

Every successful purchase starts long before the first showing. In this lesson, Juliana explains why financing comes first, and the real difference between a quick pre-qualification and a fully underwritten pre-approval that sellers take seriously.

In the luxury segment, listing agents expect a strong pre-approval letter (or proof of funds) with every offer. Juliana walks you through the documents lenders typically request: tax returns, W-2s or business financials, bank and investment statements, and an explanation of any unusual deposits.

Finally, you will learn to build a budget that reflects the true cost of ownership in San Antonio: property taxes, HOA dues, insurance and maintenance, so the monthly number you are approved for is one you are genuinely comfortable with.