: Lenders often want to see that you have several months of living expenses saved beyond your down payment to handle unexpected repairs or job loss. 2. Loan Qualification Requirements

: A score above 620–640 is typically required for most loans, though higher scores (740+) earn the best interest rates.

theital. • 4y ago. Talk to a mortgage advisor at a bank or brokerage and get a pre approval. They will ask for employment history, Reddit·r/PersonalFinanceCanada Your complete guide: 8 steps to purchasing a house

: 30 to 60 days of transaction history for all checking, savings, and investment accounts. Identification : A valid driver's license or passport. Things needed to buy a house? : r/PersonalFinanceCanada

: Fees for legal work, appraisals, and taxes, usually ranging from 2% to 5% of the home's purchase price.

: Signed copies of federal tax returns for the previous two years.