If your timeline is 2+ years, use Certificates of Deposit to lock in higher rates. ✂️ Reduce Major Expenses

You’ll need 1–3% of the price in cash immediately when you make an offer.

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Pay off high-interest credit cards first to improve your Debt-to-Income (DTI) ratio. 🏠 Understand the Real Costs

Allocate 50% to needs, 30% to wants, and 20% specifically to your house fund.