Review the report and ask for repairs or credits if needed.
Aim for a score of 620+; 740+ gets the best rates. Audit your debt: Calculate your Debt-to-Income (DTI) ratio. Save for "Hidden" costs: You Down payment: 3% to 20% of the price. Closing costs: 2% to 5% of the loan amount. Moving fund: Professional movers or truck rentals. how to prepare for first time home buying
Required in some states to handle the legal transfer. 📝 Phase 5: The Search & Offer The market moves fast. Be ready to act. Review the report and ask for repairs or credits if needed
Minimum bedrooms, bathrooms, or a yard for pets. and two years of tax returns.
Take photos and notes; homes start to blend together.
Pay stubs, W-2s, and two years of tax returns.