Many individuals purchase homes before marriage, but newlyweds face unique considerations. First, assess your credit scores, ideally aiming for 740, with a minimum of 620 for mortgage eligibility. Couples should discuss finances, as one partner may have better credit. Consider whether the home is a starter or long-term residence, especially if planning for children. FHA mortgages are a viable option for first-time buyers, requiring only 3.5% down. Be cautious of loans with seemingly low rates that may have hidden fees. With careful planning, couples can find suitable homes together.
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