: You'llBudget 2% to 5% of the purchase price for closing costs .

: Start collecting your last two years of tax returns, W-2s, and recent bank statements. 3. The Search and Offer Phase

Before looking at listings, you must understand your borrowing power and clean up your credit.

: Lenders use this to set your interest rate. A higher score (740+) typically secures the best rates.

: A good agent helps you navigate negotiations, handle paperwork, and find up-and-coming neighborhoods.