Set a realistic budget based on your income, debts, and savings
Improve your credit score before applying for a mortgage
Save for a down payment and closing costs
Reduce unnecessary spending and increase monthly savings
Pay down high-interest debt
Increase your income through a raise, side job, or second income
Look for homes in lower-cost neighborhoods or smaller markets
Consider a starter home instead of your ideal long-term home
Explore first-time homebuyer programs and grants
Compare mortgage lenders and loan options
Get pre-approved before house hunting
Avoid taking on new debt before closing
Choose a longer loan term if lower monthly payments are needed
Consider buying with a partner or family member
Negotiate the purchase price and seller concessions
Look for homes that need minor cosmetic work instead of major upgrades
Factor in property taxes, insurance, maintenance, and utilities
Build an emergency fund for unexpected home expenses