5. Get pre-approved
Get pre-approved for your mortgage before shopping for homes. A pre-approval letter from your lender lists what you’re qualified to borrow based on income, assets, and credit history. It also shows sellers that you’re not just window shopping — you’re serious about buying and ready to close on a home quickly. Many sellers refuse offers from buyers who haven’t been pre-approved, so it can save time and frustration later in the process.