Overcoming House-Hunting Hurdles

House-hunting is exciting, but let’s be honest, it can sometimes feel like a rollercoaster with more dips than views. Don’t lose hope - those dips are more common than you think and are totally fixable.

Here are some common hurdles that can throw off even the most motivated buyer, plus a few ways to get back on track with our team of mortgage originators.

Low Inventory
You’re refreshing listings like it’s your job, but nothing new shows up – or if it does, it’s gone before you can schedule a showing.

Try this:

• Widen your search area or consider nearby neighborhoods.
• Adjust your must-haves vs. nice-to-haves.
• Give “underwhelming” listings a second look – they might just need cosmetic upgrades or could pleasantly surprise you in person.

How PSECU can help:
When homes are moving fast, you need to be ready to act. We offer competitive rates and charge no underwriting, processing, application, appraisal, or flood certification fees, saving you hundreds in up-front costs. We’ll help you understand what you can comfortably afford and make sure you’re ready when the right listing pops up.

Personal Finance Hiccups
Budget stress, credit questions, or uncertainty about what you can afford are some of the biggest reasons buyers hit pause.

Try this:

• Don’t try to figure it all out alone – lean on your lender to walk you through it.
• Focus on progress over perfection, every step forward puts you in a stronger spot.
• Use tools that break it down, like our monthly mortgage payment calculator.

How PSECU can help:

This is exactly what we’re here for! We’ll help you assess your full financial picture, whether you’re just starting to plan for buying a home or you’re ready to renew your prequalification. You can contact one of our mortgage originators at 800.237.7328, extension 3878.

Cold Feet

Sometimes everything looks good on paper, but emotionally, it’s a big step! There’s no shame in taking your time to make a good decision, but don’t let your anxieties hold you back from finding the perfect home for you.

Try this:

• Take a step back to revisit your “why.”
• Talk it out with someone you trust (our experienced team is always here to help you along the way).
• Ease back in with low-pressure open houses or virtual tours.

How PSECU can help:
Buying a home is more than just a transaction, it’s where your future takes root. And we’re not here to push, we’re here to support. Whether you’re ready to start your prequalification application or renew it, we’re here to walk beside you and help you find your home sweet home.

Meet Your Mortgage Team

Behind every home loan, we offer a real person ready to help. Our mortgage originators take the time to listen, answer your questions, and guide you at your own pace. Click here to meet our team.

Ready When You Are

You’ve got options, and we’ve got the tools and team to help you make the most of them.

Here’s How We Stand Out:

• Competitive rates. Because we’re a credit union, we pass savings on to you.
• Low origination fee. Less than industry average.
• Savings in up-front costs. Save hundreds with no underwriting, processing, application, appraisal, or flood certification fees.
• Lifelong loan servicing. No selling your mortgage to another company.
• Member-first mission. We’re here to help you achieve more and save you money while you’re doing it.

Want to learn more about the homebuying process? Check out our Homeownership blog series for tips, tools, and real talk.