Buying a home is a major milestone, but home buying mistakes can turn excitement into stress. From skipping key steps to risky financial moves, these pitfalls can cost you, whether you’re in West Michigan, metro Detroit, or anywhere in the U.S. At Priority Home Mortgage, we help buyers across Michigan and beyond avoid these errors. Here’s what to avoid when buying a home to ensure a smooth journey.

Skipping Pre-Approval

One of the top first-time homebuyer mistakes is house hunting without a mortgage pre-approval. Pre-approval clarifies your budget and shows sellers you’re serious. Without it:

• You might target homes outside your range.
• Your offer could lose to pre-approved buyers in competitive markets.

In areas like West Michigan or Ann Arbor, where homes sell fast, pre-approval gives you an edge. Priority Home Mortgage makes the process quick and easy.

Fix It: Get pre-approved before touring homes. It strengthens your offers and saves time.

Making Large Purchases Before Closing

Found your dream home? Don’t celebrate with a big purchase yet. Things not to do when buying a house include taking on new debt, like a car loan, which can:

• Lower your credit score.
• Alter your debt-to-income ratio, risking loan denial.

A $30,000 loan could push your ratios beyond lender limits, even in affordable markets like Saginaw.

Fix It: Wait until after closing for major purchases to keep your finances stable.

Not Researching the Area

Michigan’s markets vary widely, from West Michigan’s suburban charm to Detroit’s urban energy. Failing to research your area is a home buying process pitfall. Consider:

• Lifestyle Fit: Is the area family-friendly, walkable, or near amenities?
• Future Value: Are prices rising, like in Holland, or stable, like in rural areas?
• Practicality: Check schools, commutes, and local services.

Nationwide, this applies to any market—research ensures your home fits your life.

Fix It: Visit areas at different times, talk to locals, and check market trends.

Overlooking the Fine Print

It’s tempting to skim contracts or reports, but that’s a common home buying error. Don’t ignore:

• Contract Terms: Ensure contingencies (e.g., financing, inspection) protect you.
• Disclosures: Michigan requires sellers to disclose issues like water damage.
• Inspection Findings: Small issues, like plumbing leaks, can become costly.

In older Michigan homes, thorough reviews prevent surprises.

Fix It: Review documents with your agent or attorney. Don’t rush.

Why These Mistakes Matter

Michigan’s housing market is dynamic, with median prices around $275,000 in West Michigan and higher in areas like Ann Arbor. Home buying tips like avoiding these mistakes help you:

• Stand out with pre-approval.
• Keep your loan on track.
• Choose the right area.
• Avoid costly oversights.

Nationwide, these principles ensure success in any market.

More Tips for Success

• Stick to Your Budget: Don’t overstretch, even for a dream home.
• Hire Experts: A good agent and inspector are invaluable.
• Ask Questions: Clarify anything confusing with your lender.

Priority Home Mortgage supports buyers across Michigan and beyond.

Ready to Buy with Confidence?

Avoiding home buying mistakes sets you up for success, whether in West Michigan, across the state, or nationwide. Get pre-approved, stabilize finances, research areas, and review documents to land your dream home. Priority Home Mortgage is here to guide you.

Contact us at by email or call (616) 951-1561 to start. Your home awaits!

Disclaimer: Information provided is for educational purposes. Consult a professional for personalized advice.