Don't change employers, become self-employed or quit your current job
Lenders will evaluate your last two years of employment. Self-employed borrowers generally need two years of tax returns to support their income.
Assess your available funds
How much have you saved?
You may not have to make any down payment at all.
Do you have access to any gift funds from family members?
Avoid making large cash deposits into your bank accounts or moving money around
Determine how much you want to spend per month
Make sure that you have set up a budget.
Talk with your loan officer to learn your options.
Tip courtesy of Bill Holmes with Front Street Mortgage