–– Make yourself more attractive to lenders by reducing the amount of debt you're carrying. The lower a potential borrower's ratio, the more favorably a lender tends to view them.
–– Increase your credit score. A score of 750 or higher is “ideal” for potential borrowers.
–– Consider getting pre–approved for a mortgage. A seller who knows you're pre–approved may be more inclined to accept your offer.
–– Find a way to dodge private mortgage insurance. If you're close to being able to make a down payment of at least 20%, try to find the means to do so, such as by borrowing money from a family member.
–– Be careful of overspending on a home. Keep the mortgage/taxes/insurance at about 20–25% of gross monthly income.
–– Favor a fixed–rate loan over a variable–rate loan in order to lock in a low interest rate.
–– Take advantage of tax breaks. Talk to an accountant or financial professional about what tax benefits are available.