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Go!Get Prepared
The first step in buying a house is determining how much you can afford. Knowing how much you can afford to pay in mortgage payments will help determine which homes are in your price range. Generally, your fixed expenses (mortgage payment, insurance and property taxes, but not maintenance and repairs) should not be more than 28 percent of your gross monthly income.
Getting a pre-approval
The best way to determine how much house you can afford is to pre-apply. Pre-applying will help you narrow your search to houses you can afford and will give you more negotiating power with the seller.
Gather the materials you'll need to apply
Click here for a handy checklist which will help you gather the materials you will need to get a pre-approval
