Mortgage Affordability Calculator Texas but not mortgage debt. 3. Establish an emergency cash (or cash equivalent) reserve fund of 6-12 months of expenses (1-2 years if you are in, or within two years, of retirement). 4. Crunch your.

 · Buying a home can be a complicated, stressful process. Here are 10 steps to help you confidently find your new home. You’ve crunched the numbers, thought about your lifestyle and made the decision to buy a home. It can be a complicated, stressful process.