My advice would be to educate yourself and don’t be afraid to ask questions. Understanding your credit, income and budget is the foundation. Know what you can realistically afford and not just want you think you can afford. Surround yourself with a team you trust, especially a local lender who will take the time to explain the process, review your options and guide you with care. It’s not just about getting approved, it’s about getting into the loan that’s right for you and being prepared for the responsibilities of homeownership. The more informed you are, the more empowered and confident you’ll feel throughout the journey.