: You have a steady, predictable income and have been with your employer for at least 2–3 years.

: According to My Home Pathway , you should keep your mortgage payment under 30% of your gross income, have 30% of the home value in savings (for a down payment and buffer), and aim for a home price no more than 3x your annual salary.

Rather than looking at the calendar, financial experts suggest assessing these key milestones of readiness: