Before you get pre-approved, there are specific financial steps that can dramatically increase your chances of securing a loan. In this episode, Bess and Mark break down the do’s and don’ts of credit, documents, savings, and employment so you can avoid delays and move toward homeownership with confidence.We walk through how to check your credit, organize your paperwork, understand your debt-to-income ratio, and avoid common mistakes like opening new credit, financing big purchases, or switching jobs too soon.Plus — we debunk the biggest myth out there: you don’t need 20% down.Most buyers actually need 3–3.5% plus closing costs.This episode gives you the financial clarity and confidence every buyer needs before applying for a loan.

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