Is buying a home in your near future? If so, you will probably be asking to borrow $200,000, $300,000 or even $500,000. That’s a lot of cash!

Certain requirements come along with lending large sums of money. Here’s what you can do now to improve your chances of getting approved.

Buying a House?
Here’s Your “Must Do” List

1. Save money like a squirrel saving nuts for the winter. Stop buying $5 coffee drinks, another pair of shoes (when you already have pairs with no holes in the soles), clothes on sale, restaurant meals, and all those other seemingly small — but honestly — unnecessary items. The underwriter wants to see your bank balance increasing every month to show that you will be able to afford a house payment that’s more than your rent.

2. Say no to offers to open new credit. Getting a new credit card to…