News and insights

EducationJul 25, 2026

Preparing to buy your first home

Budget, down payment and credit steps to take a year ahead.

A two-story family home with a neatly kept lawn on a sunny day

Start with your budget, not the listing price. Add taxes, insurance and maintenance to the monthly payment you are considering.

Build a down payment in a separate savings goal, check your credit report for errors and avoid opening new accounts before you apply.

Get pre-approved before you start visiting homes so you know what you can afford.