How To Start The Process Of Buying A House | 2026 |

Before looking at listings, you must determine what you can realistically afford.

A pre-approval is an in-depth review where a lender verifies your financial documents to determine exactly how much they will lend you. This step is essential because many real estate agents will not show homes to buyers without a pre-approval letter, and sellers often won't consider offers without one. How to start the home buying process in 2026 how to start the process of buying a house

: While 20% avoids private mortgage insurance (PMI), many programs allow as little as 3% to 3.5% down . Before looking at listings, you must determine what

: Typically range from 2% to 5% of the home's purchase price. Before looking at listings