Credit Score — Where It All Begins!

If you’re planning to buy a home, the first step is getting a mortgage pre-approval. This shows sellers you’re serious and ready to buy — and without it, you usually can’t move forward. (If you’re paying cash, you’ll need proof of funds instead.)

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Getting pre-approved is simple: contact a bank or mortgage lender and provide documents like pay stubs and tax information. The higher your credit score, the better your options — it helps the bank see that you can reliably pay your mortgage.

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There are many types of loans available, including some with zero down payment. If you have steady employment and a solid credit score, you might be closer to homeownership than you think!