Home Buying Basics
How Much House Can I Afford on a $60,000 Salary?
On a $60,000 salary, most buyers can afford about $160,000 to $275,000 depending on debts, down payment and loan type. See the math and how to stretch it.
Home Buying Basics
Budgeting, pre-approval, earnest money and every step from first showing to closing day.
Home Buying Basics
First-Time Home Buyer Checklist: 12 Steps From Savings to Keys
A 12-step first-time home buyer checklist: credit, savings, pre-approval, house hunting, inspection, appraisal and closing day, with timelines.
Home Buying Basics
Pre-Qualification vs. Pre-Approval: What Sellers Actually Want to See
Pre-qualification is a quick estimate; pre-approval verifies credit, income and assets. Learn the differences, needed documents, and what sellers trust.
Home Buying Basics
How Long Does Mortgage Underwriting Take? A Week-by-Week Timeline
Mortgage underwriting usually takes a few days to two weeks within a 30–45 day closing. See each stage, common conditions and how to keep it moving.
Home Buying Basics
What Not to Do After Applying for a Mortgage: 10 Mistakes That Derail Closings
Avoid these 10 mistakes between mortgage application and closing, from opening credit cards to changing jobs and moving cash, plus what to do instead.
Home Buying Basics
Down Payment Assistance Programs: How to Find Them in Your State
Down payment assistance can cover thousands toward your purchase. Learn the program types, who qualifies, the catches, and where to find them in your state.
Home Buying Basics
Earnest Money Deposits Explained: How Much and When You Get It Back
Earnest money shows a seller you're serious. Learn typical amounts, who holds it, how contingencies protect it, and when you could lose it or get it back.
Home Buying Basics
Gift Funds for a Down Payment: Rules, Letters and Paper Trails
Who can give you down payment gift money for conventional, FHA, VA and USDA loans, what a gift letter must say, and how to document the transfer.