Aim for 620 minimum; 740+ gets the best rates.
I can provide a or a savings calculator based on your specifics!
Compare rates from big banks, credit unions, and brokers. how to start preparing to buy a home
Buying a home is likely the largest purchase you will ever make. Starting early—ideally 6 to 12 months before you want to move—gives you the best chance at a smooth process and a lower interest rate. 🏦 Step 1: Audit Your Finances Before looking at houses, you must look at your data.
Research school districts, commute times, and property taxes. Aim for 620 minimum; 740+ gets the best rates
Busy streets, HOA fees, or major structural projects. Are you a first-time buyer or an experienced homeowner? What is your estimated budget or monthly payment goal?
Ask your lender when you can "freeze" a good interest rate. 📍 Step 4: Define Your Needs vs. Wants Buying a home is likely the largest purchase
Collect W-2s, tax returns, and bank statements.