Check your credit score and review your credit report
Gather recent pay stubs, W-2s, tax returns, and bank statements
Calculate your income, debts, and monthly budget
Save for a down payment and closing costs
Research lenders and compare mortgage pre-approval requirements
Choose a lender and complete the mortgage application
Provide personal, employment, income, asset, and debt information
Authorize the lender to check your credit
Submit all requested documents promptly
Wait for the lender to review your financial profile
Receive your pre-approval letter if you qualify
Keep your finances stable until you buy a home