Before you even peek at a listing, take these steps to make sure your mortgage process is smooth sailing: ⛵
- Check your credit score – Aim for 640+ for most conventional loans.
- Pay down debt – Lower balances = better debt-to-income ratio.
- Get pre-approved – Not just pre-qualified. A true pre-approval gives you buying power.
- Don’t make big financial changes – Avoid switching jobs or making large purchases.
- Have your paperwork ready – Think tax returns, pay stubs, bank statements. 📂
Being prepared upfront means you can move fast—and confidently—when you find “the one.”