Before looking at listings, you must establish a firm financial foundation. Experts suggest focusing on these core areas first:
: While 20% is the "gold standard" to avoid Private Mortgage Insurance (PMI), many first-time buyers qualify with as little as 3% to 3.5% down through programs like FHA. steps to buying a home
: Calculate your "personal affordability number" by subtracting all monthly non-housing expenses from your take-home pay. Before looking at listings, you must establish a
