Are you ready?

I have a steady, reliable source of money coming in.

I've been employed on a steady basis for at least the last two years.

I pay my regular monthly bills, such as rent and utilities, on time.

I make regular payments on my debts (credit cards, car loans, etc.)

I am able to continue to pay these debts plus pay a mortgage. (In general, mortgage costs should not exceed 28% of your gross income.)

I’ve researched how much my other expenses are likely to be – such as homeowners insurance, taxes, association dues, utilities, repairs, and maintenance – and feel confident that I can pay them.

I have some money saved for the purpose of buying a home.

I understand that buying a home is a major, long-term responsibility. I’m committed to fulfilling that responsibility.

I have time to take care of a house – including responsibilities like home repairs and yard work.

I’ve recently reviewed my credit report; I know my current credit score.