20/01/2026
One: Get pre-approved before you look at homes.
Two: Don’t open new credit or finance anything while buying.
Three: Keep your job and income steady—no sudden changes.
Four: Send documents quickly when your lender asks.
Five: Avoid large cash deposits unless you talk to your loan officer first.
Six: Plan for closing costs, not just the down payment.
Seven: Ask questions early—there are no dumb questions your first time.
Follow this, and your first home doesn’t have to be stressful.
