Where To Start When Wanting To Buy A House May 2026

Use the 28/36 rule (mortgage under 28% of gross income).

Research school districts, commute times, and neighborhood safety.

Compare rates between big banks, credit unions, and online lenders. where to start when wanting to buy a house

Look for agents with deep knowledge of your specific target neighborhoods.

Aim for 620 or higher for better rates.

Have tax returns, pay stubs, and bank statements ready.

Buying a home is likely your biggest financial move, so starting with a solid plan is key to avoiding stress later. Master Your Finances Use the 28/36 rule (mortgage under 28% of gross income)

💡 Don't make any large purchases (like a new car or furniture on credit) once you start the process, as this can disqualify your mortgage application. If you'd like to dive deeper, let me know: Your target city or neighborhood Your estimated budget range If you are a first-time buyer eligible for special programs