11/03/2021
It’s a great idea to talk to a lender 3 - 6 months before you are ready to buy a home.
This allows you to find out if your credit and your ratios are in good shape, and if they’re not, you have the time to make arrangements or fix anything that can be fixed.
This way you might be able to still make your goal of buying at that 3 months mark or at least you can set some clear goals knowing when you will be ready to buy.