Homebuyer checklist

Start with your full budget

Choose a monthly housing amount that fits your household—not just a purchase price. Include the loan payment, property taxes, insurance, mortgage insurance when applicable, HOA dues, utilities, maintenance, and a repair reserve.

• Review income, recurring debts, savings, and purchase funds.
• Keep a cushion for moving and unexpected ownership costs.

Prepare before applying

Review your credit reports for accuracy. Organize income, employment, and asset records. Discuss major new debts with your loan professional before taking them on.

• Use the secure application or approved upload portal.
• Never email or text Social Security numbers or bank statements.

Compare like-for-like offers

Compare Loan Estimates for the same loan amount, term, type, and rate-lock period. Look at the interest rate, APR, projected payment, lender charges, credits, and estimated cash to close—not only one number.

Prepare for closing

Compare the Closing Disclosure with your latest Loan Estimate and ask about changes. Confirm funds and transfer instructions using a trusted, independently verified contact method. Program, property, documentation, and underwriting requirements vary.