Check your credit score and improve it if needed
Keep your debt-to-income ratio low
Save for a down payment
Maintain steady employment and income
Gather proof of income, assets, and employment
Pay bills on time
Reduce existing debt
Avoid taking on new loans or large purchases before applying
Get pre-approved by a lender
Compare mortgage lenders and loan options
Choose a loan type that fits your finances
Have cash available for closing costs and reserves
Verify your identity and financial history
Meet the lender’s property and appraisal requirements