10/01/2026
First, start talking to a lender. Like now, not when you find the house. A good lender can look at your credit, your income, your debt, and tell you exactly what to work on so you’re ready when it’s time.
Second, protect your credit. No new car, no new credit cards, no financing furniture for the house you don’t have yet. Trust me on this one. 😝
Third, start saving for more than just the down payment. Closing costs, moving costs, and a little cushion for after you get the keys.
Fourth, know your real budget. What you’re approved for and what you’re comfortable paying every month are two different numbers. Don’t forget HOA fees and insurance.
And… If you’re military, ask about your VA loan benefits early.
Buying in 2027 starts in 2026.
