: Review your credit score (aim for 620+) and calculate how much you can afford for a monthly payment.
: Plan for a down payment (typically 3%–20%) and closing costs (usually 2%–5% of the home price). can you buy a house
But First, Paperwork: 18 Key Documents You’ll Need to Buy a House : Review your credit score (aim for 620+)
: Provide your lender with final documents (pay stubs, tax returns) to move from pre-approval to a final mortgage commitment. : Visit a lender to get a pre-approval
: Visit a lender to get a pre-approval letter, which shows sellers you are a serious buyer and confirms your budget.
: Once the offer is accepted, schedule a professional home inspection and a bank appraisal to confirm the property's condition and value.
: Hire a real estate agent to represent your interests, find listings, and handle negotiations.