: Experts often suggest the 28% rule , where your total housing payment (principal, interest, taxes, insurance, and HOA fees) does not exceed 28% of your gross monthly income.

: Lenders typically look at both spouses' credit scores and debt-to-income ratios. Be transparent about student loans, car payments, and credit card balances.

: Obtain a Pre-approval Letter from a lender like Chase Bank to show sellers you are serious and to confirm your actual buying power. 2. Defining "Must-Haves" vs. "Wants"

Married Couple Buying A House -

: Experts often suggest the 28% rule , where your total housing payment (principal, interest, taxes, insurance, and HOA fees) does not exceed 28% of your gross monthly income.

: Lenders typically look at both spouses' credit scores and debt-to-income ratios. Be transparent about student loans, car payments, and credit card balances. married couple buying a house

: Obtain a Pre-approval Letter from a lender like Chase Bank to show sellers you are serious and to confirm your actual buying power. 2. Defining "Must-Haves" vs. "Wants" : Experts often suggest the 28% rule ,