While 20% is the gold standard to avoid Private Mortgage Insurance (PMI), many programs (like FHA) allow for as little as 3.5% or even 0% down.
Distinguish between "needs" (3 bedrooms, good school district) and "wants" (granite countertops, hardwood floors). Phase 3: The Search & The Offer home buying guide pdf
Usually 24 hours before closing, you'll visit the house one last time to ensure it’s in the agreed-upon condition. While 20% is the gold standard to avoid
A pre-approval letter tells sellers you’re a serious buyer with backed funding. In a competitive market, you can't win without one. Phase 2: Building Your Team home buying guide pdf