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Getting Started in the Homebuying Process

Are you ready to be a homeowner?

Buying a house is an exciting milestone in your financial life. As you get started on this journey, take a look at your finances to be confident that you’re ready.

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The importance of your credit, debt, and savings in buying a home

Before you decide to buy a home, check your credit score, your debt, and your savings. Those three pieces of financial information may have a big impact on your ability to qualify for a loan, get a competitive interest rate, and buy the home you want.

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Popular questions

What parts of my finances does a mortgage lender review?

A lender will check your credit score and history, your debt-to-income ratio, which is a measurement of the amount of debt you have compared to your income, and take a general look at how much money you have in checking and savings accounts in order to be confident you’ll be able to pay for your mortgage, taxes, and other costs associated with buying a home. 

Learn more about your finances and how they impact buying a home

Read tips on establishing and building credit

How much does home maintenance cost per year?

Your maintenance costs will vary based on what type of home you own, but experts recommend setting aside at least 1% of your home’s value for maintenance each year.

Learn about other expenses related to owning a home

Read about costs associated with making an offer on a home

Is my credit score high enough to buy a house?

Credit scores range from a low of 300 to a high of 850. While there’s no magic credit score that will guarantee you will be approved for a mortgage, generally speaking, the higher your credit score, the more borrowing options you may have.

Learn more about credit scores

How can I reduce my debt so I can buy a house?

There are several ways to reduce debt, including decreasing your spending on non-essential items. Another option is to put money that you may not have already budgeted for, such as a tax refund, toward larger payments on your debt.

Get more tips on improving your finances

Learn more strategies to help reduce your debt

More help for your journey

Start your home search right here

Current Wells Fargo customers have exclusive access to a one-stop real estate tool that lets you search specific neighborhoods, know when homes are listed, and get the insights you need to be more confident in your purchase. Start exploring today.

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You’re ready to become a homeowner. Now it’s time to think about how that impacts your budget.

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