The Homebuyer Workout Plan: Simple Habits That Make You Mortgage-Ready
Getting ready to buy a home is a lot like getting in shape. You don’t crash diet for a week and expect results. You build habits that strengthen you over time. Mortgage readiness works the same way.
Buyers who succeed aren’t always the highest earners. They’re the most prepared. Preparation comes from daily financial habits that make lenders confident and buyers comfortable.
Step 1: Train Your Budget Muscle
Before you shop for homes, you need to understand your spending. Track where your money goes for at least 60 days. This isn’t about judgment. It’s about clarity.
When lenders review applications, they look at your debt-to-income ratio. Knowing your numbers early helps you spot areas to improve before it matters.
This habit builds the foundation for true mortgage rea...