Before House Hunting

Get Pre-Approved First
Talk with a lender before you start touring homes so you know your real budget.

Understand Your Monthly Payment
Focus on the total payment (principal, interest, taxes, insurance, HOA) rather than just the home price.

Check Your Credit
A higher credit score can significantly lower your interest rate.

Save for Closing Costs
Closing costs typically range from 1–3% of the purchase price.

Avoid New Debt
Opening credit cards or financing furniture can affect your mortgage approval.