How do I know if I'm financially ready to buy versus just wanting to buy?

Readiness is about stability and cushion, not just qualifying for a loan. Green lights: stable income you expect to keep, a credit score strong enough for a good rate, a down payment plus closing costs saved without draining your emergency fund, a separate three-to-six-month emergency fund still intact, a total housing payment comfortably under about 28% to 33% of gross income, and plans to stay put at least five years. Red flags: buying to keep up with peers, stretching every dollar, or no reserves for repairs. Wanting a home is emotional; readiness is math. Take the assessment at wealthserene.com/assessments/mortgage-readiness for an honest picture before you start touring open houses.