: Use the 30% rule —your total housing costs (mortgage, insurance, taxes, utilities) should not exceed 30% of your take-home pay. Save for Upfront Costs :
Before browsing listings, you must ensure your "financial reputation" is solid for lenders.
: Review your credit report from AnnualCreditReport.com for errors that could lower your score. A score of 740+ typically unlocks the best rates.
: Compare at least three lenders to find the best interest rates and loan programs (e.g., FHA , VA, or Conventional).
: Use the 30% rule —your total housing costs (mortgage, insurance, taxes, utilities) should not exceed 30% of your take-home pay. Save for Upfront Costs :
Before browsing listings, you must ensure your "financial reputation" is solid for lenders.
: Review your credit report from AnnualCreditReport.com for errors that could lower your score. A score of 740+ typically unlocks the best rates.
: Compare at least three lenders to find the best interest rates and loan programs (e.g., FHA , VA, or Conventional).