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Unless you have THESE three essential numbers, you shouldn’t be shopping for a house. Most buyers think that being pre-approved means they’re ready — but that’s only one of the three numbers you actually need. In this video, Brad the Mortgage Guy (licensed in all 50 states!) breaks down: ✅ The real first number you should focus on (hint: it’s not your pre-approval amount) ✅ Why relying on Zillow or Redfin for payment estimates can seriously mislead you ✅ How to figure out your cash to close — and why it’s often way more than your down payment ✅ How to reverse-engineer your home search based on comfort, not approval Whether you’re a first-time buyer or planning your next move, this video will help you shop smarter and avoid costly surprises at closing. 📍 Work with Brad: Licensed in all 50 states — ready to help no matter where you are! 📧 https://www.rate.com/loan-officers/br... 📞 413-221-1110 #HomeBuyingTips #MortgageAdvice #FirstTimeHomeBuyer #RealEstateTips #MortgageEducation #PreApproval #HomeLoan #MortgageHelp #BuyingAHome #MortgageGuy 00:00 – Intro: Why pre-approval isn’t enough 00:40 – The 3 essential numbers every buyer needs 01:15 – #1: Know your payment (not Zillow’s estimate!) 03:05 – Why online payment calculators are misleading 04:00 – #2: Cash to close — what you really need upfront 06:00 – #3: Your realistic home price range 07:20 – Final recap & how to get help from Brad