Before you start looking at houses, review your "buyability" to ensure you're ready for the long-term commitment.

: Check the "big three"— foundation, roof, and electrical wiring . These are the costliest red flags in an inspection.

: A popular framework suggests having 3 months of living expenses saved, 3 months of mortgage payments in reserve, and comparing at least 3 properties before deciding. 2. Property Evaluation Checklist

When you’re viewing a home, look past the fresh paint. Use this "must-have" vs. "nice-to-have" system to keep your head clear:

: Lenders typically look for an annual income between $100k–$125k to approve a $400,000 mortgage . You can use the Home Affordability Calculator from Progressive to get a specific estimate.

: Review the layout. Does it fit your life 5 years from now? Consider potential family growth or work-from-home requirements. 3. The Buying Process Steps Complete Home Buying Checklist: 10 Steps to Buying A House

Buying a home is one of the biggest moves you'll ever make. To help you "review" your options and readiness,

: Most lenders look for a score of at least 620 for conventional loans, though FHA loans can go as low as 500.