One clear sign? You're not spending more than 30% of your income on your mortgage
If you're looking to buy a home, there are several signs you're ready — you can make the full 20% down payment, you have a low debt-to-income ratio, and you know exactly how much a potential home could cost you each month, for starters. You're also ready if you know you'll still have an emergency fund, as well as money left over after your down payment for extra expenses. If you don't yet have these things, you might not be ready to buy.
If you're looking to buy a home, there are several signs you're ready — you can make the full 20% down payment, you have a low debt-to-income ratio, and you know exactly how much a potential home could cost you each month, for starters. You're also ready if you know you'll still have an emergency fund, as well as money left over after your down payment for extra expenses. If you don't yet have these things, you might not be ready to buy.
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