: Lenders evaluate your Credit (score and history), Capacity (ability to repay), and Collateral (the home's value).

Before you start browsing listings, focus on your financial foundation. Experts recommend keeping your home price within .

Home Finance: Navigating the 2026 Housing Market Whether you're looking to buy your first home or manage the one you have, home finance remains a top priority this year. With the housing market picking up momentum in 2026, staying informed is key to building long-term wealth. 1. Planning for a Purchase