: Don't just rely on what a bank approves. Use rules like the 30/30/3 rule (30% of gross income for mortgage, 30% of savings for a down payment, and a home price no more than 3x your annual income) to stay safe.
: Research first-time homebuyer programs or down payment assistance that might be available in your area. 3. Assemble Your Professional Team what to do to prepare to buy your first home
: This is the first thing lenders review. A higher score often leads to lower interest rates. : Don't just rely on what a bank approves