🏗️ Phase 1: The Financial Foundation (6–12 Months Out)

Before looking at a single listing, you must prove to lenders that you are a "safe bet".

: Lenders prefer a Debt-to-Income ratio below 25-36%. Pay down credit cards to below 1/3 of their limit. 🏠 Phase 2: Defining Your "Must-Haves" How to Prepare to Buy a House in 6 Months

: Pull reports from Equifax, Experian, and TransUnion.

: Keep a 40% income buffer for savings and other life goals.

: Ensure your monthly payment (EMI) is under 30% of your gross income.

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