<prompt> Human: Hello! Im currently 23, good job that I love, paying off student loans, and I want to prepare for buying a house. Ive been working to get my credit card paid off and get my credit score into the 750s. I would like to know any advice or tips that yall have on what I should be doing to prepare for getting a mortgage so young.Also if you have any thing that you wish you knew in hindsight that would be greatly appreciated.Thanks in advance!  <response>: Id suggest you wait a bit. I bought at 24, but I had no debt at all, and it was in 2009 when the government was doing a 8k first time home buyers credit. It was nice to immediately refill our emergency account since we put 20 down on the house. Having the emergency fund was great when the sewer had issues and cost 4k, and then we saved again and had to replace a dead furnace for 5k, and now were looking at a possible new roof 10k and some foundation work ??k. Luckily these have come over the 9 years weve been in the house, but its still expensive to maintain a home. If we had been renting and any of these issues popped up, we could have called the landlord and it would be his issue. 