Check your credit score and review your credit report
Set your budget and determine how much you can afford
Save for a down payment and closing costs
Gather required documents such as pay stubs, tax returns, bank statements, and ID
Compare mortgage lenders and loan options
Get pre-approved for a mortgage
Choose a lender and submit a full mortgage application
Provide any additional documents the lender requests
Schedule and complete the home appraisal
Review the loan estimate and final closing disclosure
Clear any remaining underwriting conditions
Sign the mortgage documents at closing
Pay the required closing costs and down payment
Receive the keys after closing is complete