The 10 Hidden Rules of Buying a House in Fresno

By Nathan King

Nathan King, a native of Fresno, has spent his entire life immersed in the vibrant Central Valley community. Nathan loves spending time with his family and helping his clients achieve their real estate goals.

Buying a home is exciting, but it’s also serious business. I’ve seen great buyers lose great houses just by making simple mistakes. Before you take any action, please read this carefully—these 10 rules can save your loan and your sanity.

1. Don’t switch jobs or quit. Lenders want to see a steady income. If you change jobs during the process, it could delay or deny your loan. Even if it’s a better job, wait until after closing.

2. Don’t finance a car. A shiny new truck might sound fun, but it will hurt your debt-to-income ratio, which can ruin your approval. To be safe, wait until you’ve moved in.

3. Don’t run up credit cards. Keep balances low and pay on time. New debt or missed payments can drop your credit score and raise red flags.

4. Don’t touch your closing funds. That money is sacred. Don’t spend it, not even on a “deal” for a new TV. You’ll need it on closing day.

5. Don’t hide your debts. Lenders will find out. Tell them everything, student loans, tax bills, all of it. Surprises during escrow can kill the deal.

6. Don’t buy furniture. I know you’ve picked the couch and curtains. However, it pays to wait. Financing furniture can add debt and potentially harm your loan.

7. Don’t apply for new credit. Every time someone checks your credit, your score drops slightly. Hold off until your home is yours.

8. Don’t make large deposits. If a friend or family member gives you money, tell your lender first. They’ll need to document where it came from.

9. Don’t switch banks. Even if your bank app crashes daily, stay put for now. Changing accounts mid-process makes it harder to verify your finances.

10. Don’t cosign loans. If you cosign, the lender counts that debt against you. If the other person misses a payment, it also affects your credit.

Buying a home is a big deal. I’m here to make it simple, clear, and less stressful. If you have questions or would like to get started, please call or text me at +1 (559) 396-0000 or email info@kingrealestate.group. Let’s make your home purchase a win.