This will help you determine how much you can afford to spend on a home. It will also help you deal effectively with real estate agents. Buy Analysis Getting Your Finances in Order. Your credit history Lenders analyze these factors to assess your ability to pay back the loan.
Lenders weigh salary more heavily than bonuses and profit sharing.
If your spouse is unemployed or in school, wait until your spouse finds a job. Defer major purchases. Do a monthly budget and stick to it. It trains you to save regularly. A good software package can help you develop a budget.