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Commandments of Buying a Home

Welcome to the Garza Home Team at RE/MAX North San Antonio, where your dream of homeownership begins! We understand that preparing for a home loan can be overwhelming, but fear not. We’ve crafted the “Top 10 Commandments of Buying a Home” to guide you on a clear financial path to home loan success.

When venturing into the realm of home buying, maintaining pristine financial records is crucial. Your goal? Qualify for the lowest rate available at the time of your application. The process can be stressful, but fear not – our 10 commandments will keep you on track.


  1. Thou shalt not change jobs, become self-employed, or quit a job.
  2. Thou shalt not buy a car, truck, or van.
  3. Thou shalt not use credit cards excessively or let current accounts fall behind.
  4. Thou shalt not spend money set aside for closing.
  5. Thou shalt not omit debts or liabilities from your loan application.
  6. Thou shalt not buy furniture on credit.
  7. Thou shalt not originate any inquiries into your credit.
  8. Thou shalt not make large deposits without checking with your loan officer.
  9. Thou shalt not change bank accounts.
  10. Thou shalt not co-sign a loan for ANYONE.

Don’t let these transactions trip up your good intentions of buying a home. Stay focused on your goal of homeownership – your very own home may be right around the corner!

Start on this exciting journey with confidence. Our team at Garza Home Team is here to support you every step of the way. Have further questions or need assistance? Feel free to contact us. We eagerly anticipate the opportunity to work with you and your family in the near

Ready to turn these commandments into keys for your dream home? Contact the Garza Home Team today and let’s start the journey together!

Robert Joseph Ott

Sales Manager & Creative Director, REALTOR®

Jesse Rene Garza