🏗️ Phase 1: The Financial Foundation (6–12 Months Out)
Buying a home is likely the biggest financial move you'll ever make. In the 2026 market, where inventory remains tight and interest rates are stabilizing, being "ready" means more than just having a down payment—it means having a strategic, multi-phase plan. preparing to buy a house
: Lenders prefer a Debt-to-Income ratio below 25-36%. Pay down credit cards to below 1/3 of their limit. 🏠Phase 2: Defining Your "Must-Haves" How to Prepare to Buy a House in 6 Months 🏗️ Phase 1: The Financial Foundation (6–12 Months
: Ensure your monthly payment (EMI) is under 30% of your gross income. preparing to buy a house