If buying a home feels like a moving target, a clear timeline fixes that. This plan breaks the next year into manageable steps so you always know what to work on next.

What’s in this 12‑month plan
– A simple breakdown of what to focus on in months 0–3, 3–6, 6–9, and 9–12.
– Action items for credit, savings, debt, and documenting income.
– When to start talking to a lender, when to run your Down Payment Resource (DPR) match, and when to get serious about neighborhoods.
– Space to note your own deadlines and milestones so the plan fits your life.

Use it as a checklist on your fridge, in your notebook, or on your phone. By the end of 12 months, you’ll either be ready to buy—or you’ll know exactly what still needs to change.