I’m looking for U.S.-based mortgage professionals, real estate experts, CFPs, and financial advisors to explain how Gen Z renters can financially prepare to become homeowners. I’m especially interested in realistic, actionable steps involving credit, down payments, budgeting, and the often-overlooked costs of homeownership. The CFPB recommends prospective buyers review their credit, spending, and overall finances well before shopping for a mortgage. 1. What are the first financial steps a Gen Z renter should take if they hope to buy a home within the next few years? 2. How far in advance should someone start preparing financially for homeownership? 3. How should Gen Z buyers determine how much house they can realistically afford, rather than simply how much a lender will approve? 4. What should prospective buyers do to strengthen their credit and debt-to-income picture before applying for a mortgage? 5. How much should buyers aim to save for a down payment, and why shouldn't they automatically assume they need 20% down? 6. Beyond the down payment, what other costs should they save for, such as closing costs, moving expenses, repairs, property taxes, and homeowners insurance? 7. Should someone maintain a separate emergency fund after making the down payment? If so, how much would you recommend? 8. What first-time homebuyer programs, down payment assistance, or lower-down-payment loan options should Gen Z buyers investigate? 9. What financial mistakes do you commonly see younger first-time buyers make while preparing to purchase a home? 10. What signs suggest a Gen Z renter is financially ready to transition to homeownership, and what signs suggest it may make sense to keep renting for now?