You finally got the keys. The boxes are half-unpacked, the paint smell hasn't faded yet, and somewhere between the mortgage paperwork and the housewarming...
You check your savings account. Again. And that number still isn't anywhere near the "20% down payment" figure everyone keeps talking about.
So you start...
Your palms are sweaty every time someone mentions "pre-approval." You've opened five mortgage calculator tabs and closed them all in frustration. And somewhere deep...