Get your finances in order
Before you look at a single house, know what you can afford. Start with a clear picture of your savings, your income, and your monthly debts, and talk to a mortgage lender about what monthly payment fits your budget.
Getting pre-approved is the key step: a lender reviews your finances and issues a pre-approval letter, which tells sellers your offer is backed by real financing. When you formally apply for a loan, federal rules require the lender to give you a Loan Estimate that spells out the loan terms and the estimated closing costs, so you can compare lenders using actual numbers. Only your lender can give you precise figures for your situation, so ask for them directly.