Pay off high-interest credit cards first to improve your Debt-to-Income (DTI) ratio. 🏠 Understand the Real Costs

I can then calculate a and check for local buyer programs in your area.

Stop using standard savings accounts; use an HYSA to earn 4-5% interest.

Keep 1% of the home’s value in cash for immediate repairs after move-in.

Use apps like Rocket Money to find and kill unused memberships.