John Andrew Roland, Builder

dba Emerald Homes of Alabama

Click here to edit subtitle


1. Strengthen your credit score

2. Figure out how much house you can afford

3. Save for down payment and closing costs

4. Build a healthy savings account

5. Get preapproved for a mortgage

6. Buy a house you like


  1. Do NOT purchase ANYTHING until after closing.
  2. Do NOT co-sign for anyone on anything.
  3. Do NOT change bank accounts.
  4. Do NOT make any unusual large deposits into your bank account.
  5. Do NOT originate any new inquiries on your credit report.
  6. Do NOT buy new furniture before you buy your new house.
  7. Do NOT spend money you have saved for your down payment.
  8. Do NOT use your credit cards or get behind in your payments. 
  9. Do NOT buy a car, truck or van unless you plan to live in it.
  10. Do NOT change jobs or become self-employed.