Buying A House Mortgage -

Don't buy the most expensive house the bank says you can afford. Buy the house that fits your actual lifestyle and monthly budget.

Once your offer is accepted, you enter the "underwriting" phase where the bank double-checks everything. On closing day, you’ll sign a mountain of paperwork, pay your closing costs (usually 2–5% of the home price), and finally get the keys.

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This is your financial "reputation." A higher score usually unlocks lower interest rates, which can save you tens of thousands of dollars over the life of the loan.