Check your credit score and improve it if needed
Keep your debt-to-income ratio low
Save for a down payment
Maintain steady employment and income
Gather proof of income, assets, and debts
Avoid taking on new debt before applying
Pay bills on time
Build an emergency fund
Get pre-approved by a lender
Choose a loan type that fits your finances
Meet the lender’s minimum income and credit requirements
Provide a valid government-issued ID and Social Security number
Show sufficient cash reserves if required
Verify the property meets lender requirements
Compare offers from multiple lenders