: Review your credit reports from AnnualCreditReport.com to fix any errors. Lenders typically require a minimum score of 620, but scores above 740 often secure the most favorable interest rates.
“Don't assume you need a full 20% down payment; many programs like FHA or VA loans allow for much less, though you may have to pay private mortgage insurance (PMI).” Auricchio Law Offices 12 Steps to Buying a House: Free Home Buying Process Guide what is the home buying process step by step
: Hire a professional to check for structural issues, water damage, or electrical hazards. Use the results to negotiate repairs or a lower price if major "red flags" appear. : Review your credit reports from AnnualCreditReport