Homebuying Basics
Check and improve credit score; pay down debt and avoid major new purchases
- Set a realistic budget, including down payment, closing costs, and monthly expenses
- Save funds for emergencies and upfront home-buying costs
- Get pre-approved for a mortgage
- Decide on must-have features and preferred locations
- Research neighborhoods, schools, and commute times
- Work with a trusted real estate agent and lender
- Be patient and prepared for inspections, negotiations, and competition