Published October 14, 2025

First-time homebuyers, take note! 🏡

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Written by Tiffany Arcaris

First-time homebuyers, take note! 🏡 header image.

The mortgage application process can make or break your home purchase, and these 3 factors are key:

💳 Debt-to-Income Ratio: Lenders use this to see if you can comfortably manage your payments. Avoid taking on new debt while your application is in process.
📈 Credit Score: A strong score can unlock better rates and smoother approvals. Keep up with bills and steer clear of major new credit during this time.
💼 Employment: Stability matters! Lenders want to see steady work history. Changing jobs or quitting could slow down or jeopardize your approval.

Getting these in order ahead of time sets you up for a smoother, stress-free path to homeownership. Drop a 🏠 if you found this helpful!


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