The housing market is hot. On fire, actually—and it doesn’t seem to be dying anytime soon. This can be scary because of how tough it is to buy a home in a competitive market. 1. Do Your Pre-Approval Homework Before you even start looking at actual homes, head on over to a lender (or multiple lenders, to get different quotes) and get a pre-approval letter. We know it’s not very exciting, but it just might save you later. Don’t bother getting pre-qualified because it’s not the