: Aim for a DTI at or below 43%. This is the percentage of your gross monthly income that goes toward paying debts.
: Most conventional loans require a minimum score of 620. In 2026, some lenders are moving toward a more holistic view of "financial patterns" (like rent and utility payments) rather than just a three-digit score. what do i need to buy a home
The path to homeownership in 2026 requires a strategic blend of financial preparation, organized documentation, and a clear understanding of the modern housing market. 1. Financial Foundations : Aim for a DTI at or below 43%
