New Year, New Home — Steps to Get Mortgage-Ready in 30 Days

If buying a new home is part of your 2026 goals, you can make major progress in just one month. With the right plan, you’ll be financially prepared, confident, and ready to move when the perfect home appears.

Here’s your simple 30-day roadmap:

Week 1: Organize Your Finances

Gather all essential documents — bank statements, tax returns, W-2s/1099s, pay stubs, and a list of your assets and debts. Having everything ready speeds up the process and eliminates delays later.

Week 2: Strengthen Your Credit

Review your credit report, dispute any errors, and pay down revolving balances if possible. Avoid opening new accounts or making large purchases that could impact your score.

Week 3: Set a Realistic Home Budget

Determine what you can comfortably afford monthly — factoring in taxes, insurance, and lifestyle needs — not just the maximum amount you qualify for.

Week 4: Get Pre-Approved

A pre-approval sets your price range, boosts your credibility with sellers, and positions you to act fast in competitive situations.

Becoming mortgage-ready doesn’t have to feel overwhelming. Small, consistent steps now can set you up for a successful homebuying journey in 2026.