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Aim for a score of 620+; 740+ gets the best rates. Audit your debt: Calculate your Debt-to-Income (DTI) ratio. Save for "Hidden" costs: You Down payment: 3% to 20% of the price. Closing costs: 2% to 5% of the loan amount. Moving fund: Professional movers or truck rentals.
Bring your ID, sign a mountain of paper, and get the keys. 🗝️ To help you get more specific, I can: how to prepare for first time home buying
Set aside 3–6 months of expenses for repairs. 📑 Phase 2: Get Pre-Approved Aim for a score of 620+; 740+ gets the best rates
Don't buy at your max limit; stay where you are comfortable monthly. 🏠 Phase 3: Define Your "Must-Haves" Distinguish between what you need and what you want . Aim for a score of 620+
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