Understand your credit score's impact on loan approval and rates. 

Research different loan types to find the best fit for your needs. 

Calculate how much you can afford before applying for a loan. 

Save for a down payment to reduce the amount you need to borrow. 

Compare mortgage rates from various lenders to get the best deal. 

Get pre-approved to show sellers you’re a serious buyer. 

Know the costs beyond the loan, like closing fees and property taxes.