1️⃣ Skip the debit card—use your credit card instead and pay it off in full each month. Not only is it safer, but it shows lenders you can handle borrowing and repaying money responsibly.

2️⃣ Thinking about a new car? Wait until after you’ve closed on your home. Financing a car can mess with your debt-to-income ratio and credit score.

3️⃣ Got cash stashed away? Get it into a high-yield savings account ASAP. Lenders will check your last 2 months of bank statements, and large cash deposits won’t help.

4️⃣ If you’re more than 6 months out, feel free to browse Zillow. But when you’re serious, use the MLS for accurate info—your agent can hook you up with a free portal!

5️⃣ Hold onto your pay stubs and W2s. Lenders will need them when the time comes.

6️⃣ Don’t borrow money! If you’re receiving a gift for your down payment, make sure it’s documented as a gift, not a loan. Lenders will need to see proof of the transfer.

Looking to buy in 2025? Don’t go broke trying! Comment GUIDE and I’ll send you an invite to a free Zoom session where we’ll go over how to tackle today’s market and avoid costly mistakes!

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