Get pre-approved — this is the real first step
Before you look at a single listing, talk to a mortgage broker or a bank mortgage specialist. A pre-approval tells you what you can actually borrow, what your payments will look like, and how much you'll need for a down payment and closing costs.
A good broker or specialist will shop lenders for you, explain the difference between fixed and variable, and hold a rate while you look. Walking into a showing already pre-approved changes everything — you shop with confidence instead of guessing, and when the right home appears you're ready to move that same day.
Shopping first and financing later is the most common (and most painful) mistake first-time buyers make. Falling in love with a home you can't finance is heartbreaking, and it's completely avoidable.
