1. Set a comfortable budget
Focus on the payment you can comfortably manage, not simply the maximum amount you might qualify to borrow.
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First-Time Homebuyer Guide
Buying your first home is easier to navigate when you break the process into clear decisions—from budget and credit through pre-approval, offer and closing.
Apply Now ↗2. Review your credit and debts
Credit history and monthly obligations can affect available programs, pricing and purchasing power.
3. Plan cash to close
Your upfront costs may include down payment, closing costs, prepaid taxes and insurance, inspections and reserves.
4. Get financing reviewed early
A pre-approval can help you understand your range before you shop and can make your offer more organized.
5. Shop and make an offer
Work with your real estate professional to evaluate homes, contingencies and the terms of your offer.
6. Complete underwriting and closing
The lender verifies documentation, property information and loan requirements before final approval and closing.