Do THIS instead👇🏻 1️⃣Instead of using your debit card… ALWAYS use your credit card & pay it off in full before the statement closes. Not only is using a debt card a security risk, but using a credit card shows lenders you’re able to borrow money & pay it back on time. 2️⃣If you need a new car, WAIT until after you buy a house. It will throw off your debt to income ratio & credit score if you finance or lease a new car. 3️⃣Get any cash you have into a high yield savings account ASAP When you get pre-approved, lenders look at your last 2 months of bank statements - & you won’t be able to use any large cash deposits. So get the cash into your account BEFORE lenders look at your statements. 4️⃣If you’re more than 6 months out, search away on Zillow! But when you’re seriously looking, search in the MLS (multiple listing service) so you have accurate info. Your agent will set you up on a free MLS portal! 5️⃣ Lenders will need 1 month of pay stubs + W2s - so hold onto them! 6️⃣Do NOT borrow money - if you’re getting a gift, it will need to be documented as a gift (not a loan) & lenders will need to see a copy of the gift check or bank statements showing proof of transfer! If you’re buying a house in 2025, do NOT go broke! Comment “home” if you want help buying or selling real estate. We can help in all 50 states! #realestatetips #homebuying101 #firsthome #realestateagent #mortgagetips #mortgagelender