While paying off debt is vital, don't deplete your entire emergency fund. You still need cash for a down payment and closing costs.

Once a credit card is paid off, keep it open. The length of your credit history and your total available credit both boost your score.

from the first debt into the next one once it’s paid off. Strategy 2: The Debt Avalanche Method

Note: Avoid taking out new lines of credit within 6–12 months of applying for a mortgage, as "hard inquiries" can temporarily dip your credit score. Crucial Tips for Future Homebuyers

The focuses on psychological wins to keep you motivated. List your debts from the smallest balance to the largest. Pay the minimum on every debt except the smallest one.