First Time Home Buying Process -

: A score above 740 is excellent, while 620 is the usual minimum for most mortgages.

: Use the 28/36 rule —your mortgage should not exceed 28% of your gross monthly income, and total debt shouldn't exceed 36%. first time home buying process

The home buying process typically takes between and is best navigated in structured phases, starting with financial preparation rather than browsing listings. Phase 1: Financial Readiness & Pre-Approval : A score above 740 is excellent, while

: An experienced agent helps you find properties, navigate local markets, and negotiate offers. navigate local markets