Your Budget Is Clear
Most lenders recommend spending no more than 28–30% of your gross monthly income on housing.
You Can Get Pre-Approved
Pre-approval verifies your finances and gives you a realistic picture of your buying power.
Savings Are in Place
Plan for a down payment, earnest money (usually 1–3%) and closing costs of 2–5% of the price.
Your Timing Works
Think about how long you plan to stay and how a move fits with work, school and family.
Your Credit Is Ready
Credit scores of 620+ can qualify for FHA loans, and Maryland programs may help offset debt.
You Know What Matters
Location, schools, commute and lifestyle priorities help focus your search on the right homes.
