Before looking at a single listing, you must prove to lenders that you are a "safe bet".
: Keep a 40% income buffer for savings and other life goals. preparing to buy a house
Buying a home is likely the biggest financial move you'll ever make. In the 2026 market, where inventory remains tight and interest rates are stabilizing, being "ready" means more than just having a down payment—it means having a strategic, multi-phase plan. Before looking at a single listing, you must
: Pull reports from Equifax, Experian, and TransUnion. Before looking at a single listing
🏗️ Phase 1: The Financial Foundation (6–12 Months Out)