Check your credit score and review your credit report for errors
Pay down existing debt to lower your debt-to-income ratio
Save for a down payment and closing costs
Gather recent pay stubs, W-2s, tax returns, bank statements, and ID
Avoid taking on new debt or making large purchases
Compare lenders and mortgage programs
Submit a mortgage preapproval application
Provide all requested financial documents promptly
Allow the lender to verify your income, assets, credit, and employment
Review the preapproval letter for loan amount, terms, and expiration date