<prompt> Human: My SO and I are just beginning the home buy I process. He wont be on the loan due to low credit score. We dont have a down payment saved but could probably save one pretty quickly. I was just looking for some advice and things you wouldnt know about until you went through it. What did you learn during the process? What would you have done differently? Thanks in advance for your replys :Edit: WOW! And I mean WOW! Thank you everyone for their responses I will read through everyones! Ill try to comment to most, and I really hope this will help others in a similar situation!  <response>: Try to keep you bank statements clean for 2 months. Cuts down on a ton of b.s. that will slow the process down. No cash deposits in or out, no big payments or withdrawls, depits over 15 of you monthly incomeNot a reqiirement, just saves the hassle of letters, recipets, them deducting money from the total to qualify because its not documented etcOnly give them what they ask for, nothing more. Every little thing can cause extra papertrails 