Renting can feel like an easy way to live. Someone else fixes the faucet and you can move with one month’s notice. Still, the idea of a place that is truly yours may sit quietly in the back of your mind. How do you know if it is time to trade rent checks for mortgage payments? Look for these five green lights. If most of them match your life, you could be closer to owning a house than you think. Lenders love proof that your paycheck arrives on time month after month. If you have held the same job or field for at least two years and see reliable deposits in your account, you pass the first test. A steady income also helps you sleep at night once the mortgage bill lands. Pull your free credit report and check the number. A score above 680 unlocks better loan rates, though many programs accept lower marks with larger down payments. Pay your cards on time to keep balances low and avoid new debt while shopping. Good credit can save tens of thousands over the life of a loan. Most buyers aim for at least three percent down but that is only the ticket in. Closing costs, moving trucks and fresh paint also require cash. Additionally, set aside a three-month emergency fund for unexpected repairs, such as a leaky roof. If the thought of a new water heater doesn't break your budget, you're in good shape. Buying a home comes with upfront costs that spread out over time. If you see yourself in the same city, with the same job and social circle, for at least half a decade, the numbers favor owning. Staying longer allows equity to grow and shields you from market swings that might be detrimental to a quick sale. Homeownership means mowing the yard, patching drywall and calling the plumber when pipes hiss at 2 a.m. If you feel prepared to tackle minor fixes or hire pros without panic, you have the mindset of a homeowner. Create a simple maintenance calendar to prevent tasks from piling up. Owning a home is part financial milestone, part lifestyle choice. A steady paycheck, solid credit, healthy savings, long-term roots and a do-it-yourself spirit all point toward yes. If these signs ring true for you, let the next step be a chat with friendly experts. Reach out to our team today and we will guide you from that first showing to the welcome mat that says home.1. Your Income Is Steady
2. Your Credit Score is Good
3. You Have Savings Beyond the Down Payment
4. You Plan to Stay Put for Five Years
5. You Are Ready to Be the Landlord of One
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