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Are you looking to buy? Lenders are paying close attention to buyers' ability to repay a loan, according to FindLaw.com, the nation's leading legal information website. The generally accepted principle is that no more than 30 percent of a household's take-home income should go toward the principal, interest, taxes and insurance.

Here are some tips from FindLaw.com about buying a home within the next six to nine months:

Start planning now. Even if you're a year or more away from buying a home, start preparing now. Build up your cash for a down payment plus other expenses that come with owning a home. Check your credit report for accuracy. Pay all your bills on time and zero out all credit card debt. And don't take on new debt, like a large car payment.

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