Check your credit score and review your credit report for errors
Pay down existing debts to lower your debt-to-income ratio
Gather proof of income, tax returns, bank statements, and employment history
Save for a down payment and closing costs
Avoid taking on new debt before applying
Compare lenders and mortgage programs
Submit a mortgage pre-approval application
Provide all requested financial documents promptly
Get a pre-approval letter from the lender
Keep your finances stable until you find a home and close the loan