Start by determining your budget using a home affordability calculator and begin saving early for upfront costs like down payment (as low as 3%), closing costs (2%-6%), and moving expenses. Maintain good credit by checking reports, paying bills on time, and avoiding new credit. Explore first-time home buyer assistance programs. Compare mortgage types and lenders, get preapproved, and work with a trusted agent. Stick to your budget, attend home inspections, negotiate repairs or costs, and secure homeowners insurance before closing.
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