Although your lender will get you pre-approved for a certain amount based on what he or she sees on your finances on paper, but it is ultimately up to you to decide how much you are comfortable with paying every month. It is up to you as far as how much you are willing to stretch yourself in order to get your dream home. The following six steps will help you to secure financing for your future home.

1. Choose a Loan Officer
2. Fill out a loan application and get pre-approved
3. Determine what you want to pay and choose a loan option
4. Submit your accepted purchase contract to the lender
5. Obtain an appraisal and title commitment
6. Obtain funding at closing