Pinellas County homes still sell in about 34 days on average (MLS June 2025). Buyers who prepare early win the contracts. Use this three-month guide to strengthen your credit and finances before applying.

🗓️ Days 90–60: Foundation

  • Pull free reports from Equifax, Experian, TransUnion at annualcreditreport.com.
  • Pay down credit cards below 30% utilization.
  • Set auto-pay to protect payment history (worth 35% of your FICO score).
  • Estimate your budget—typical Pinellas taxes run about 1.0–1.1% of value annually.

📅 Days 60–30: Documentation

  • Gather W-2s or LES, pay stubs, tax returns, and bank statements.
  • Avoid new credit inquiries or large purchases.
  • Track your debt-to-income ratio (aim under 43%).

📆 Days 30–0: Get Pre-Approved

  • Interview lenders for rate, fees, and loan options (VA, FHA, Conventional).
  • Ask about lender credits or assistance programs.
  • Be offer-ready—pre-approval letters carry weight in multiple-offer scenarios.

Preparation removes stress and gives you leverage in Pinellas County’s fast-moving market.

Need a 90-day home prep plan? 📞 (727) 301-7855 • ✉️ nikky@capstonerealestate.us