: A score above 620–640 is typically required for most loans, though higher scores (740+) earn the best interest rates.

: Lenders often want to see that you have several months of living expenses saved beyond your down payment to handle unexpected repairs or job loss. 2. Loan Qualification Requirements

Buying a home requires a combination of liquid assets for upfront costs, verified financial history to secure a loan, and a team of professionals to navigate the legal process.