Slide 1
Low debt, steady income, and a 740+ credit score unlock the most competitive mortgage offers.
Slide 2
Keep debt-to-income ratio under 36% to boost approval odds and secure lower borrowing costs.
Slide 3
Timing matters—rates often dip in fall and winter when buyer demand slows down.
Slide 4
Shop multiple lenders, compare offers, and use competition to negotiate better mortgage terms.
Slide 5
Think long-term: add taxes, insurance, and even refinancing plans to your true homeownership costs.