Preparing To Buy A Home [SAFE]

: Use an affordability calculator to factor in income, debts, and current interest rates.

: Check your reports from Experian, TransUnion, and Equifax early (6–12 months before buying). A higher score directly impacts your mortgage rate, potentially saving you thousands over the life of the loan. preparing to buy a home

: While first-time buyers often put 3%–7% down, you also need cash for closing costs (typically 2%–5% of the purchase price), moving expenses, and a home maintenance emergency fund. Phase 2: Strategic Preparation : Use an affordability calculator to factor in