Use the 28/36 rule (mortgage under 28% of gross income).
💡 Don't make any large purchases (like a new car or furniture on credit) once you start the process, as this can disqualify your mortgage application. If you'd like to dive deeper, let me know: Your target city or neighborhood Your estimated budget range If you are a first-time buyer eligible for special programs
A pre-approval letter proves to sellers you are a serious, qualified buyer. Define Your Needs where to start when wanting to buy a house
Decide on bedroom count, yard size, and layout.
Budget for a down payment (3–20%), closing costs (2–5%), and an emergency repair fund. Get Pre-Approved Use the 28/36 rule (mortgage under 28% of gross income)
A good realtor represents your interests and usually costs you nothing as a buyer.
Buying a home is likely your biggest financial move, so starting with a solid plan is key to avoiding stress later. Master Your Finances Define Your Needs Decide on bedroom count, yard
Look for agents with deep knowledge of your specific target neighborhoods.