1. Get a free credit report. This won’t entitle you to a copy of your credit score (unless you pay for it) but it is important to review the report to make sure the information they have on you is correct.

2. Organize your financial documents such as two months worth of pay stubs, bank statements, and tax returns for at least the last two years. If you get alimony or child support, get up-to-date court records on those. If you recently changed your name because of marriage or divorce, make sure to update your financial documents.

3. Don’t do unusual financial things for several months. Don’t buy large items like a car or furniture.

4. Document the downpayment source. It might be from savings, from a money market account, or from an inheritance. If it is a gift from a relative, you will need to produce a gift letter.

5. Show a stable work history for the past two months.