: Most lenders require a score of at least 620 for approval. Check for errors with providers like AnnualCreditReport.com .
: Aim to spend no more than 28% of your gross monthly income on housing costs. Factor in "PITI" (principal, interest, taxes, and insurance) and maintenance costs like a new roof or HVAC repairs. step by step process of buying a house
Buying a home is a complex journey that typically takes from the start of your search to getting the keys. Phase 1: Preparation (6–12 Months Out) : Most lenders require a score of at least 620 for approval