: Determine a realistic monthly payment based on current income rather than just what a lender approves. Lenders typically require your total housing expenses to be no more than 25%–28% of your gross monthly income.
: Obtain a pre-approval letter from a lender to prove to sellers you are a serious and capable buyer. Phase II: The Search and Team Assembly how can i buy a house
How to buy a house: Your step-by-step guide to buying in 2026 : Determine a realistic monthly payment based on