When you decide it is finally time to buy a home of your own my advice to you is to do it backwards. Forget looking at homes. Let me explain: If you need shoes you try on shoes first and then go to the register to pay. In home buying you have to do it backwards. This is because when you go to the register you know you have enough money to pay for your shoes. When it comes to a home it's a different story.
I don't care if you make over one million dollars a year - all kinds of people from all economic classes get denied home loans every day. Something on your tax return or time on the job can be a loan killer. First you have to find out if you can get a loan. Think of it as going to the register first then find your shoes.
So, if you want to buy a home you need to talk to me first. There is a reason loan officers must meet educational and testing requirements along with background checks to be able to ascertain if you will get a loan. It's because we know having good credit and a good income isn't enough, especially these days.
I know you are chomping at the bit to look at homes but don't waste everybody's time including your own. Make sure you have financing in place first.