To buy your first home, you likely will need a mortgage. In fact, before you even start looking at houses, you should look into your mortgage prospects.If you have good credit, a healthy income and money in the bank, you’ll be able to secure mortgage preapproval quickly and proceed straight to the homebuying process. But if you have less-than-stellar credit, are self-employed or have little cash to bring to the table, you’ll want to start the process way before you look at houses – maybe more than a year before.


  1. Does the adjective healthy in financial contexts mean sure? In this case, based on my perception it means a sure and coming-every-month income.

  2. Does the word secure here mean gain ?

  3. When saying proceed straight, does it mean to go in that way straight?

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These are all figurative meanings.

No, healthy means robust, not merely steady. It means "steady and sufficiently large".

Secure here means "to obtain" or "to get".

Proceed straight means to "continue directly", without taking any detours or encountering any delays.

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