Have tax returns, pay stubs, and bank statements ready.
💡 Don't make any large purchases (like a new car or furniture on credit) once you start the process, as this can disqualify your mortgage application. If you'd like to dive deeper, let me know: Your target city or neighborhood Your estimated budget range If you are a first-time buyer eligible for special programs where to start when wanting to buy a house
Compare rates between big banks, credit unions, and online lenders. Have tax returns, pay stubs, and bank statements ready
Use the 28/36 rule (mortgage under 28% of gross income). Have tax returns
Budget for a down payment (3–20%), closing costs (2–5%), and an emergency repair fund. Get Pre-Approved
A good realtor represents your interests and usually costs you nothing as a buyer.