Here is a step-by-step guide to navigating the process in 2026. Phase 1: Financial Preparation
Compare options like Conventional (standard), FHA (lower credit/down payment), or VA loans (for veterans with 0% down). Phase 3: The Search and Team Building How to Prepare to Buy a Home
You’ll need funds for a down payment (typically 3%–20%), earnest money (1%–3% of offer), and closing costs (2%–5% of the purchase price). Phase 2: Getting "Mortgage-Ready"
A lender reviews your finances (tax returns, pay stubs, bank statements) to provide a pre-approval letter . This proves you are a serious buyer and defines your exact shopping range.
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