1. Do you have a stable source of income?
💡 Lenders like to see 2+ years of steady employment or consistent income.
2. Do you know your current credit score?
💡 A score of 620+ is often the minimum for a conventional loan, but better rates start around 740.
3. Have you saved enough for a down payment and closing costs?
💡 Down payments can be as low as 3%, and closing costs usually add another 2–5% of the home's price.
💡 First-time buyers may qualify for 0% down programs like USDA or VA loans depending on eligibility.
4. Have you been pre-approved for a mortgage?
💡 Pre-approval shows sellers you're serious — and helps you shop within your actual price range.
5. Do you know what monthly payment range fits your budget?
💡 Consider all-in costs: loan, taxes, insurance, HOA, and maintenance.
6. Are you planning to buy within the next 6 months?
💡 If so, it might be time to connect with a local agent and start viewing properties.
