Starting at 12 months out, a year before purchase, experts say is the time to clean up your financials. Pay down debt, start saving, and stay in the same job to exude stability.
At six months out, find out your credit score and keep trying to boost it up by paying bills on time, fixing any mistakes, and avoiding new debt.
The average credit score for approved mortgage applicants is 755.
Now is also the time to use an online calculator to figure out what you can afford and start looking at homes you may like in that range.
At three months out, experts say, is the time to pick out what type of loan you will get.
And lastly, three months out is also when the experts recommend finding a realtor. You want the right realtor, someone who can find you the hidden gems at the right price.
How did you prepare to make the big purchase, and how old were you?
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