Phase 1
Get an honest read on your starting point
Before you look at a single listing, get a clear-eyed view of your credit, your budget, and whether buying makes sense for you right now.
Understand what your credit score means for the rates and loans you'll qualify for.
See how lenders will view your monthly debt against your income.
Map out what you'll actually need in the bank before you make an offer.
Compare the true long-term cost of renting against owning where you live.
Get a head start on the paperwork you'll need soon, before it's urgent.