Buying a home is a complex multi-month journey that requires balancing financial readiness with emotional goals. In 2026, the process typically takes about from offer acceptance to closing. Phase 1: Financial Foundation

: Lenders often approve you for more than you should comfortably spend.

Most lenders require a minimum score of for conventional loans. Higher scores (740+) secure the lowest interest rates.

Before looking at listings, you must solidify your borrowing power.

: Check reports from Equifax, Experian, and TransUnion via AnnualCreditReport.com.

: Set aside 1–3% of the home's value annually for repairs. Phase 2: Professional Support & Pre-Approval Things to Consider When Buying a Home: A Step-by-Step Guide