Check your credit reports for errors and dispute any inaccuracies
Improve your credit score by paying bills on time and lowering credit card balances
Keep your debt-to-income ratio low
Save for a down payment
Save for closing costs and reserves
Avoid taking on new debt before applying
Maintain steady employment and income
Gather proof of income, assets, tax returns, and bank statements
Get pre-approved by a lender
Compare mortgage lenders and loan options
Choose a home price that fits your budget
Make a larger down payment if possible
Reduce existing monthly obligations
Avoid large cash deposits without documentation
Keep your bank accounts stable before and during underwriting
Respond quickly to lender requests
Consider government-backed loan programs if eligible
Work with a mortgage broker or loan officer if needed