Check your credit report for errors and fix them
Improve your credit score before applying
Pay down existing debt
Keep your debt-to-income ratio low
Save for a down payment
Save for closing costs and reserves
Keep steady employment and income
Avoid changing jobs before approval if possible
Avoid taking on new debt
Avoid large purchases before closing
Gather required documents early
Get pre-approved by a lender
Compare loan options from multiple lenders
Choose a home price you can comfortably afford
Make a larger down payment if possible
Show proof of assets and savings
Reduce credit card balances
Pay bills on time
Maintain stable bank account activity
Use a co-borrower if needed
Consider government-backed loan programs
Work with a mortgage broker or loan officer
Be honest on your application
Respond quickly to lender requests
Keep your financial situation stable until closing