Research & Prep Kit

• Check your credit reports for accuracy
  Look for errors or old debts that could affect how lenders see you.
• List your monthly income and existing debts
  This is the raw material behind the debt-to-income idea.
• Set a “house fund” savings goal
  Keep it separate from your emergency fund, even if it starts small.

• Read the Affordability guide
  See how lenders generally think about what you can borrow.
• Read the Down Payments guide
  Learn what percentages are actually typical.
• Skim the Glossary for unfamiliar terms
  Bookmark it — you'll come back to it a lot.

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• Read through the full Timeline
  See all 11 stages before you're in the middle of one.
• Read What to Expect at Each Stage
  Get a feel for the emotional side too, not just the steps.

Complete the section above — or visit its linked guide — to fully unlock this one. It stays visible and checkable either way.