The number of bedrooms, the layout, and the size of the lot.

Once your offer is accepted, you’ll enter "escrow." This is a 30-to-45-day whirlwind of inspections, appraisals, and final mortgage processing. Stay patient, don't make any large purchases (like a new car) that could spook your lender, and keep your documents organized.

Budget for "closing costs" (usually 2–5% of the home price) and an emergency fund for that inevitable first-week plumbing issue. 2. Get Pre-Approved (Not Just Pre-Qualified)

It’s easy to get distracted by shiny appliances. Focus on the things you change: